Not everyone with a serious medical condition necessarily qualifies for Social Security Disability Insurance SSDI benefits. Applicants must show that they cannot maintain any gainful employment, not just that their medical challenges may force them to leave their current jobs.
Additionally, those seeking SSDI benefits must have sufficient work history. SSDI is an earned benefit connected to a professional’s work history. Those who have never been able to work because of lifelong medical challenges are likely not eligible for SSDI benefits. Understanding the work history requirements for SSDI applicants can make it easier for people to determine if they may be eligible.
Applicants need enough credits
The Social Security Administration (SSA) tracks payroll contributions and how much income people make. Workers can accumulate a maximum of four credits each year. In 2026, people can receive one credit for every $1,890 they earn. Anyone who makes $7,560 or more can accrue the maximum four credits.
Most SSDI applicants are over the age of 31. They must have 40 total credits, 20 of which they earned in the last year, to qualify. Younger applicants may be eligible for benefits with fewer work credits. Young professionals just starting their careers can potentially be eligible for benefits with as few as six total credits.
Reviewing work history and medical records with an SSDI attorney can help people determine if they are likely to qualify for benefits and if they need additional documentation before they apply. SSDI applicants with support while filling out paperwork and appealing unfavorable decisions often have a better chance of securing the benefits they need.