



Many claimants are shocked to learn that they are not eligible to receive Social Security Disability Insurance Benefits (DIB) because they don't have enough work credits. So the question is how many work credits do you need to be eligible for DIB? Well, that depends on how old you are when you become disabled. If in the unfortunate event you become disabled, you will need to meet the following "work credit" requirements:
The following table illustrates how many credits you would need if you became disabled at various ages.
Note: This table does not take into consideration every possible scenario.
|
Disabled At Age |
Credits Needed |
Years of work |
|
31 through 42 |
20 |
5 |
|
44 |
22 |
5½ |
|
46 |
24 |
6 |
|
48 |
26 |
6½ |
|
50 |
28 |
7 |
|
52 |
30 |
7½ |
|
54 |
32 |
8 |
|
56 |
34 |
8½ |
|
58 |
36 |
9 |
|
60 |
38 |
9½ |
|
62 or older |
40 |
10 |
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