I don’t have enough work credits to apply for SSDI (disability benefits), what can I do?

There are a few things you can do if you don’t meet the requirements SSDI. Keep this in mind Social security is only for those Americans who have worked a minimum number of years.

To be more precise, you’ll need at least 40 credits to get Social Security. That’s about ten years of work. However, this rule would prevent younger people with a impairment from receipt SSDI administration benefits.

That is why there is a smaller number of credits if you have not reached the retirement age, that is, 62 years. For example, if you are 60, you just need to have worked for 9.5 years. The thing is, some people may not have worked enough because of their studies, their children’s upbringing or their health.

What can I do if I am not eligible for SSDI?

US workers who haven’t worked enough to receive up to $3,627 in Social Security checks can apply SSI. SSI is Supplemental Security Income, and you can qualify if you meet two requirements.

SSDI recipients must have earned enough work credits or they cannot receive Social Security disability benefits
SSDI recipients must have earned enough work credits or they cannot receive Social Security disability benefits

The first condition is to have low income and little money in your bank account. Therefore, if you have other income, you may not qualify for Supplemental Security Income.

Anyway, it’s always best to apply and see if you qualify or not. Make sure you gather all the necessary information and documents to prove you qualify. If you and your spouse qualify, you can get up to $1,371 more.

If you file individually, you may receive up to $914. These amounts are about to increase due to the 2024 COLA. So you could get up to $943 (singles), $1,415 (couples) or up to $472 (principals).

Can I get Social Security Disability and SSI at the same time?

If you manage to earn enough work credits and qualify for SSDI because of your disability, you can also get SSI. SSI is a supplement for those on disability or retirement benefits.

What’s more, you can also apply for I click benefits, the former food stamp program. This could give you a check to buy $973 worth of food if you are a family of four. People on SSDI can also get SNAP checks.

If you are a woman with children or are pregnant, you may also be entitled to WIC. In fact, it is the special supplementary nutrition program for women, infants and children.

If your situation is dire and you don’t have money for food, you can always contact the USDA. For example, they have the emergency food assistance program. Make sure you pay enough Social Security payroll taxes to qualify for future payments.

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