Do You Need Help With Your Disability Claim?

Disability Attorneys and Advocates can help you in all phases of the disability claim process.

Contact an advocate today for your FREE case evaluation!

Free Online Evaluation!

Tap For A Free Evaluation!
Home » Glossary » Insured Status

Definition of Insured Status

Claimants will only qualify for Social Security Disability Insurance (SSDI) benefits if they are considered insured for benefits. The claimant's insured status indicates whether they have worked enough and paid enough in employment taxes to be considered insured for SSDI. A worker can earn up to four quarters of work credits per year and will need a certain number of credits to be considered insured.

According to the SSA, most workers will need approximately 40 work credits, and they will need to have earned at least 20 work credits in the past 10 years prior to their date of disability. Younger workers may be insured with fewer work credits. For instance, depending on the worker's age, the minimum number of work credits needed for SSDI is 6, and the maximum number needed is 40. A younger worker may be insured with fewer credits, but they can also expect their SSDI payment to be much lower because their average income as they were employed was generally much less.

Many workers ask if they can get SSDI benefits if they do not have enough work credits. No, if you do not have sufficient work credits they cannot be bought, borrowed from a spouse or generated in any way except through working and paying employment taxes. Supplemental Security Income, however, is offered to uninsured workers who are blind, aged, or disabled and cannot work for at least 12 continuous months. SSI recipients must also have very limited income and resources.

« Back to Glossary

Share this article with a friend




Browse Disability Terms Alphabetically:

A | B | C | D | E | F | H | I | L | M | N | O | P | Q | R | S | T | U | V | W | ALL

Do you need a Social Security Lawyer?

Complete the short form and an experienced personal disability attorney will contact you to discuss your case for FREE


Ready to Get Help with your Disability Claim?

Complete the short form and a Disability Advocate will review your case for FREE. It's 100% Confidential and there's No Obligation. What do you have to lose? Get help winning your disability case today!

Free Online Evaluation!