Applying for Social Security Disability Insurance (SSDI) benefits can be a nerve-racking process. People seeking SSDI benefits have often experienced major medical issues that have changed their lives. They can no longer work, and they may struggle to continue living independently.
For many people with debilitating medical conditions, SSDI benefits are their only viable source of financial support. Some applicants assume that they should qualify quickly because of how severe their medical conditions are. They may fail to consider that there is another important qualifying factor that the Social Security Administration (SSA) considers.
SSDI is an earned benefit that people become eligible for based on their employment. In addition to reviewing the medical documentation provided by the applicant, the SSA also looks at their work history. SSDI applicants need to have an adequate work history to qualify for benefits.
How long must people work to qualify?
The age of the SSDI applicant determines what work history rules apply. For applicants over the age of 31, the standard is to have accumulated at least 40 credits. Additionally, the workers should have at least 20 credits from within the last 10 years. These are the recent work test and duration work test.
In 2025, the SSA grants workers one credit per $1,810 they earn. Anyone who earns $7,240 or more should receive four credits for the year, which is the maximum number people can earn annually. Even part-time and seasonal workers can typically accrue the four credits available annually. Provided that they continue working for a decade or longer, they can meet the work history requirements for SSDI benefits as an adult at or past the age of 31.
For younger applicants, a sliding scale applies. Applicants between the ages of 24 and 31 can qualify with documentation of working half of the time since they turned 21. For younger workers, SSDI benefits may be available with as little as six credits accrued with the SSA in the three years leading up to their application.
Applicants may need to review their work history in addition to discussing their medical challenges with a skilled legal team as they prepare to apply for SSDI benefits. Learning more about eligibility criteria can help people when they need disability benefits.