How many work quarters do you need to qualify for disability?
The number of work quarters or credits needed to qualify for disability will depend on a person's age at the time they become disabled. For example, younger individuals will require fewer work credits to qualify for Social Security Disability.
However, an individual must have at least six work credits to be insured for disability. If you are unsure regarding how many work quarters or credits you have, you should contact your local Social Security office or the toll free Social Security number (1-800-772-1213) for information.
For the SSI disability program, of course, work credits and insured status are not an issue to qualify for disability benefits since SSI offers disability benefits to those who are uninsured such as children and adults who either A) did not work long enough to be covered for SSD or B) were once covered for SSD, but whose coverage has lapsed due to gaps in employment work activity.
About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.
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