To qualify for Social Security Disability Insurance (SSDI), individuals must earn a certain number of Social Security credits through employment and payroll taxes. These credits determine eligibility for various benefits, including retirement, disability, and survivors benefits. But how do you earn them, and how many do you need?
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Earning Credits
Social Security credits are based on income, not time worked. Since 1978, workers can earn up to four credits per year. In 2025, the Social Security Administration (SSA) will grant one credit for every $1,810 earned. To earn the maximum four credits in a year, a worker must make at least $7,240.
The earnings requirement for a credit typically increases yearly with wage growth. However, once earned, credits stay on a worker’s record permanently, even if they stop working or take a career break.
Eligibility
To qualify for SSDI, a worker generally needs 40 credits, equivalent to about 10 years of work. However, younger workers may qualify with fewer credits:
| Age at Disability Onset | Minimum Credits Required | Work Duration Requirement |
|---|---|---|
| Before 24 | 6 | Earned in last 3 years |
| 24-30 | Varies | Earned in half the working years before disability |
| 31+ | 20 | Earned in last 10 years |
| 60 | 38+ | About 9.5 years of work |
These requirements ensure that even those with shorter work histories can still qualify for benefits.
Survivors Benefits
Social Security credits also determine eligibility for survivors benefits when a worker passes away before claiming benefits. If the deceased paid Social Security taxes, their family may receive financial support.
The number of credits required depends on the worker’s age at death, with a maximum of 10 years (40 credits) needed. Survivors who may qualify include:
- A surviving spouse (full benefits at retirement age, reduced benefits from age 60)
- A disabled surviving spouse (benefits available from age 50)
- A surviving spouse of any age caring for a child under 16 or a disabled child
- Unmarried children under 18 (or up to 19 if still in school)
- Disabled adult children (if disability began before age 22)
- Dependent parents aged 62 or older
Knowing Social Security credits is essential for planning financial security. Whether for SSDI or survivors benefits, knowing how many credits are needed can help workers and their families stay prepared for the future.
FAQs
How many SSDI credits do I need?
Most people need 40 credits (10 years of work) to qualify.
How much income earns one credit in 2025?
In 2025, one credit is earned for every $1,810 in wages.
Do Social Security credits expire?
No, once earned, credits stay on your record permanently.
Can younger workers qualify for SSDI?
Yes, younger workers may qualify with fewer credits based on age.
Who can receive survivors benefits?
Spouses, children, and dependent parents may qualify.
