Every application for social security benefits is different. Each application involves the lengthy and arduous collection of personal information and medical evidence during the application process. It’s important to understand all of this as it unfolds before the Social Security Administration (SSA) determines eligibility. The assistance of an experienced disability attorney may be crucial to the approval of an application for disability benefits.

Workers earn wages which are taxed. From these taxes, they contribute to Social Security. When a worker retires, Social Security examines the earnings over a worker’s lifetime and determines the amount of retirement benefits payable based thereon. However, in contrast, the inquiry for disability benefits instead examines earnings over the most recent five to ten year period of an individual’s earnings.

In theory, every worker would like to work a sufficient amount of time to attain “fully insured” status by earning social security work credits. These credits are based on either total yearly wages or self-employment income with four credits available to be earned each year. Typically, 40 credits are needed, 20 of which were earned in the last 40 quarters (10 years) ending with the year of the start of the disability.

The required work for a work credit changes annually and in 2017, a worker will earn one credit for each $1,300 of wages or self-employment income. In turn, $5,200 of wages or self-employment income is necessary to earn the maximum four credits for the year.

Estimating the number of social security work credits is not an easy calculation. The assistance of a qualified disability attorney is vital in helping a potential claimant correctly determine his or her work credits. Contact the Sullivan Law Office today by calling 888-587-0228 or visiting us online! We offer free consultations, so you have absolutely nothing to lose! We look forward to hearing from you.Do I Have Enough Earnings? Social Security Work Credits