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The Law Offices of Martin Taller
Call to speak to us now: 714-450-6689
Free consultations. Se Habla Español
Call to speak to us now
Free consultations. Se Habla Español

What is a work credit?

Much has been said about the medical requirements surrounding Social Security Disability benefits-the type of medical conditions that qualify and the type of evidence required to demonstrate eligibility. However, the medical criteria is only half of the equation and some may even view it as the less important part-without the requisite work credit, medical eligibility is not even considered.

Given this information, the first question California residents may have is what are work credits? People who are working in qualifying jobs pay Social Security taxes. This allows them to earn up to four credits a year-it doesn't matter if the person works all year to earn those credits or earns the credits within a shorter time period within that year. What matters is the total wages earned during that year.

In 2017, the amount was $1300 to receive one credit from the Social Security Administration and $5200 to get the maximum four credits per year. So how many must one receive to become eligible for SSD benefits? For those individuals born 1929 onwards, 40 credits are required for retirement benefits. It is slightly different for disability benefits-it depends more on the age that one became disabled at. The general rule is that one needs 40 credits, 20 of which must have been earned in the ten years preceding the disability. However, if a younger worker is disabled, then the requirements may be different. To add to the confusion is the fact that the income required to earn one credit is set to increase in 2018-it will go from $1300 to $1320.

The existing regulations are complicated and overwhelming and the upcoming changes will only serve to add to the confusion. However, since work credit is perhaps the crux of receiving SSD benefits, it is essential to understand whether one is eligible or not and an experienced attorney may be able to help California residents out with that.

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The Law Offices Of Martin Taller

2300 E. Katella Ave. Suite 440
Anaheim, CA 92806

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