Applying for Social Security Disability Insurance (SSDI) can be daunting, especially if you’re worried about gaps in your work history. You might be asking yourself, “Will my past employment issues prevent me from getting the benefits I desperately need?”
You are not alone in this. Many people face similar concerns, and there are ways to address these challenges.
What are work credits, and why do they matter?
To qualify for SSDI, you need enough work credits. These credits are based on your earnings and how long you have worked. Generally, you earn one credit for every $1,730 in wages (as of 2024), up to four credits per year. The number of credits you need to qualify for SSDI depends on your age when you become disabled.
What if there are gaps in your employment?
Gaps in employment can be concerning, but they are not necessarily a deal-breaker. Here are a few strategies to address this issue:
- Document everything: Keep thorough records of your employment history, including pay stubs, W-2 forms and any correspondence with employers.
- Explain the gaps: Provide clear reasons for any gaps in your work history, such as medical issues, caring for a family member or furthering your education.
- Seek legal advice: An experienced SSDI attorney can help organize your work history and medical documentation.
Note that self-employment adds another layer of complexity. To earn work credits, you will need to show consistent earnings and pay self-employment taxes.
What if you do not have enough work credits?
If you do not have enough work credits, you may still have options. One option is Supplemental Security Income (SSI), a needs-based program that does not require work credits. You can also check if you qualify for benefits based on a spouse’s or parent’s work history.
Take the first step toward receiving the benefits you deserve
Dealing with an SSDI application when you have gaps in your work history can be challenging, but an experienced attorney can make a significant difference. Consider reaching out to an SSDI attorney to discuss your specific situation and get personalized advice.
