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Understanding the Social Security Disability 5-year rule

On Behalf of | Jul 16, 2024 | Social Security Disability |

Life can take unexpected turns, and sometimes, these changes impact your ability to work. If you’ve worked for many years but can no longer do so because of a disability, you might be looking into Social Security Disability benefits. Understanding the rules is essential to getting through this system and increasing your chances of obtaining benefits. 

Work credits explained

To qualify for Social Security Disability Insurance (SSDI), you need to have earned enough work credits. Work credits are based on your total yearly wages or self-employment income. In 2024, you earn one credit for each $1,730 of earnings, up to a maximum of four credits per year. Generally, you need 40 credits, 20 of which you earned in the last 10 years, ending with the year you became disabled.

Understanding the 5-year rule 

The 5-year rule states that you must have worked and paid Social Security taxes during five out of the last ten years before becoming disabled. Doing so ensures that you have a recent work history with enough contributions to the Social Security system. 

Exceptions to the rule

There are some exceptions to the 5-year rule in Social Security disability law. Younger workers who become disabled may qualify with fewer credits. For example, if you are under 24 years old, you may qualify if you have six credits earned in the three years ending when your disability starts. 

Understanding the Social Security Disability 5-year rule and other related requirements is key to ensuring your eligibility for benefits. Stay informed about the criteria and organize your documents. This proactive approach can significantly increase your chances of success.

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