To qualify for Social Security Disability Insurance (SSDI) benefits, you must:
- Have worked in jobs covered by Social Security - worked long enough - recently enough - under Social Security
- Have a medical condition that meets Social Security's strict definition of disability.
Monthly cash benefits get paid to people who are unable to work for a year or more because of a disability.
Benefits usually continue until you can work again on a regular basis. There are also several rules, called work incentives, that provide continued benefits and health coverage to make the transition back to work.
If you are getting SSDI benefits when you reach full retirement age, your disability benefits automatically convert to retirement benefits, but the amount remains the same.
Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to 4 credits each year. The number of work credits you need to qualify for disability benefits depends on your age when your disability begins. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year your disability begins. However, younger workers may qualify with fewer credits.
To determine if you are eligible for SSDI you can visit this resource here.