Social Security Disability (SSD): Work Credits Needed for Benefit Eligibility

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As of March 17th: All local Social Security offices will be closed to the public for in-person service until further notice. However, Social Security services are still able to provide critical services over the phone – (look for site phone numbers) and online information available at –

If an individual is unable to conduct business online, check the online  field office locator – for specific information about how to directly contact a local office in your area. The National 800 number is 1-800-772-1213 and  (TTY 1-800-325-0778).

Note: Although all offices are not providing service for walk-in visitors, individuals may be able to schedule an appointment for limited, critical issues if they cannot get help by phone and if they cannot get the information they need or conduct their business online.

Link to the Social Security Administration website:


Social Security beneficiaries and Supplemental Security Income (SSI) recipients who don’t file tax returns will start receiving their automatic Economic Impact Payments directly from the Treasury Department soon.  People receiving benefits who did not file 2018 or 2019 taxes, and have qualifying children under age 17, however, should not wait for their automatic $1,200 individual payment.  They should immediately go to the IRS’s webpage at and visit the Non-Filers: Enter Payment Info Here section to provide their information.  Social Security retirement, survivors, and disability insurance beneficiaries with dependent children and who did not file 2018 or 2019 taxes need to act by Tuesday, May 5th, in order to receive additional payments for their eligible children quickly.  SSI recipients need to take this action by later this month; a specific date will be available soon.



Social Security Administration issues monthly Social Security Disability (SSD) payments to individuals ages 18 and over who meet the medical criteria for disability and who have earned the required number of work credits in the required period of time. One work credit is earned for each three month period worked in a job covered by Social Security. The required number of credits and the required period of time are dependent on a person’s age.

Examples of requirements for different ages:
Before age 24 – must have 6 credits earned in the 3-year period ending when your disability starts.
Ages 24-30 – must have credit for working half the time between age 21 and the time you become disabled. For example, if you become disabled at age 27, you would need credit for 3 years of work (12 credits) out of the past 6 years (between ages 21 and 27).
Ages 31 and older – see chart.

Born after 1929 – Disabled at Age
Number of Credits Needed
31 through 42
62 or older

(from Social Security website,

Medicare and Social Security Disability (SSD)
People receiving SSD must wait two years before becoming eligible for Medicare.

The following Consumer Financial Protection Bureau (CFPB) “Focus on People with Disabilities” guide contains tips, information, tools, and skill-building resources for people with disabilities.  The following topics are discussed.

•   Set up an account and build savings
•   Pay for assistive technology to achieve independence
•   Understand how income from work impacts Social Security Income (SSI)
•   Identify financial abuse and exploitation and how to get assistance

To Find Providers in Connecticut’s Community Resources Database:
Search by service name:
Social Security Disability


SOURCE: Social Security, Consumer Financal Protection Bureau (CFPB)