How does work qualify you for disability?
If an individual has earnings, those earnings will become work credits for achieving insured status for social security retirement and Social Security Disability benefits. SSI disability, by contrast, does not require that you have work credits, as it is a program based upon financial need.
What is a work credit? A work credit or work quarter is a monetary amount determined by the Social Security Administration, which enables a worker to become insured for benefits from the Social Security Administration. An individual may earn four work credits or quarters per year.
Most individuals need forty quarters of coverage to be insured for social security retirement, however that amount is usually lower for individuals applying for Social Security Disability.
Why is work important for your disability claim? Work is important because it will allow you to become insured for a Title II benefit (otherwise known as Social Security Disability), and your earnings will determine the amount of money payable to you and your family.
Remember, SSI disability does not provide for any amount that can be paid to dependents.
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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