In order to be eligible to receive Social Security Disability benefits, an individual must have obtained the required minimum amount of credits.  If you do not have the required minimum credits, then no benefits can be paid.

Social Security credits are earned by working and paying Social Security taxes.  An individual can earn up to four credits per year.  Credits are based on total wages and self-employment income earned during the year.  It does not matter when the work was performed.  It may take someone all year to earn four credits, or the credits may be earned in a shorter amount of time.  An individual must earn $1,300.00 to receive one credit and $5,200.00 to receive four credits.

The number of credits needed to be eligible for disability benefits depends on your age when you become disabled.  The chart below lays out the number of credits needed for individuals age thirty-one and older.

If you became disabled at ageNumber of credits you need31 to 422044224624482650285230543256345836603862 or older40


The above is the general rule and does not encompass every factual scenario.  If you have questions or concerns pertaining to your eligibility for Social Security benefits, be sure to contact a licensed attorney.  

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