Understanding Social Security Disability Credits

Memphis Bankruptcy, Social Security Disability & Long Term Disability Attorney

Do You Qualify for SSDI?

Wondering about where your next paycheck is going to come from can be an overwhelming feeling. You shouldn’t have to worry about meeting the needs of your family if you are unable to work. Social Security Disability Insurance (SSDI) may be a solution to your problems. 

If you have worked for a number of years and have paid your Social Security Taxes in FICA, you may have earned a number of SSD credits that qualify you for SSDI benefits. An attorney may be able to help you determine the amount of credits you have earned or need to qualify for SSDI. 

An experienced attorney may be able to help fight for you and your rights to SSDI benefits. John Dunlap has been helping clients with SSDI and SSI cases for over 15 years. Call today for a free 30 minute session to see how he may be able to help.

What is SSDI?

Social Security Disability Insurance (SSDI) is a program that offers Social Security Disability payments to individuals who are under the age of 65 and have a proven disability and sufficient number work credits. SSDI offers monthly payments to individuals who qualify.

Those who qualify for SSDI are seen as insured because they have worked for a number of years and have paid their FICA taxes. If you become disabiled and are unable to work, the money and work credits you have earned will be given back to you to help cover your means of living for you and some of your family.

What are work credits?

When you begin working and pay your Social Security taxes, also known as FICA taxes, you accumulate a certain amount of work credits each year. These credits add up throughout your work history, which later helps you qualify for Social Security Disability benefits. 

The amount of disability benefit that you receive depends on factors such as your age, years worked, and credits earned. If you are unsure about your work credits, an attorney may be able to help. 

How do you earn credits for SSDI?

The number of work credits that you earn every year depends on your work history and your income. According to the Social Security Administration (SSA), a worker must earn at least $1,410 in 2020 to earn one work credit. 

Each year that you work, you will earn one work credit for every $1,410 you make. However, the maximum amount of credits a person can year in one year is 4. Additionally, if you become disabled and are not able to work due to your disability but haven’t earned any work credits, you still may qualify for disability insurance. 

How many credits do I need for SSDI?

In order to qualify for SSDI, typically you will need at least 20 work credits to claim your benefits. However, because SSDI also factors in your age, your social security credits may be lower if you are younger. For example, if you are under the age of 24 and become disabled, you have to have earned at least 6 work credits to claim SSDI. 

Additionally, if you are over the age of 62, you will have to have earned 40 credits or amount to at least 10 years of work to become eligible for benefits. If you suffer from a permanent or long term disability, you may still be able to apply for social security disability if you meet the income and asset restrictions. 

You shouldn’t have to worry about getting the benefits that you deserve. John Dunlap is an experienced attorney that has worked with SSI and SSDI cases for over 15 years. He may be able to help you and your family after you’ve suffered a life changing disability. Call today for a free 30 minute session to discuss your case.