Protect Your Eligibility for Disability by Earning Enough Credits


If you are healthy enough to work, even part-time, it’s in your best interests to do so should you ever need to file for Social Security Disability.

The first “test” of your eligibility for Social Security Disability benefits will be whether or not you have earned enough “credits” for eligibility. If you pay taxes on just $4,520 per year within five years of becoming disabled, you will be eligible for benefits. Without enough recent work, your application will be immediately denied before a claims processor even examines the nature and extent of your disability.

For 2012, your earnings have to exceed $4,500. Social Security awards “credits” for earned taxable income. The maximum number of credits that can be earned in a year is four.  In 2012, for every $1,130 you earn (and pay taxes on), you receive a credit; when you earn $4,520 in 2012, you will have earned the maximum number of credits allowed in that year.

One thing to note is your credits gradually expire. You need to have worked in the last five years on a constant basis in order to ensure that your claim has the best chance of approval. If you’re wondering if you do have enough credits, you can always check with your local Social Security Administration office.

Getting Legal Help

If you or a loved one needs to pursue a disability claim or wishes to discuss claim eligibility, give Disability Professionals a call at 855-201-9569 or email DisabilityProfessionals to set up your appointment today.




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