How many work credits do you need for SSDI?

Generally, you need 40 work credits for SSDI. 20 of these need to have been earned in the last 10 years.This is not always the case, as younger workers may qualify for benefits with fewer credits. The exact number depends on your age and disability.

You can earn up to 4 credits per year, so workers who have been working longer have more credits available to them than those who are younger and did not have as much time to earn credits.