If you’re looking into Social Security Disability Insurance (SSDI) in Missouri, you may have heard about work credits. These credits are essential for determining your eligibility for SSDI benefits and help to ensure that the benefits are available to individuals who have contributed to the Social Security system during their work history.
How do you earn work credits?
You earn work credits by working and paying Social Security taxes. In 2024, you receive one work credit for each $1,730 of earnings, up to a maximum of four credits per year. This amount adjusts annually with changes in average wages.
How many credits do you need?
The number of work credits needed for SSDI depends on your age at the time you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years, ending with the year you become disabled. However, younger workers may qualify with fewer credits.
Special rules for younger workers
If you are under 31, special rules apply because you have not had as much time to work. For example, if you become disabled before age 24, you might qualify with as few as six credits earned in the three years before your disability starts.
Checking your credits
You can check how many work credits you have by looking at your Social Security statement. The Social Security Administration (SSA) mails this statement to everyone over 25 who has Social Security credits. You can also view your statement online by creating a ‘my Social Security’ account on the SSA website.
Understanding how work credits function is key to planning for the future and ensuring you are covered in case of a disability. Reviewing your work credits is a good place to start if you think you might be eligible for SSDI.
