Work Credits and You
One of the criteria for winning your Texas Social Security Disability claim is proving you have the minimum number of “work credits.” The number of work credits you need for Texas Social Security disability benefits depends on your age when you became disabled. Generally you need 20 credits earned in the last 10 years ending with the year you became disabled.
However, younger workers may qualify with fewer credits. The rules are as follows:
- Before age 24: You may qualify if you have six credits earned in the three-year period ending when your disability starts.
- Age 24 to 31: You may qualify if you have credit for having worked half the time between 21 and the time you become disabled. For example, if you become disabled at age 27, you would need credit for three years of work (12 credits) out of the past six years (between age 21 and age 27).
- Age 31 or older: In general, you will need to have the number of work credits shown in the chart shown below. Unless you are blind, at least 20 of the credits must have been earned in the 10 years immediately before you became disabled.
|
31 through 42 |
20 |
|
44 |
22 |
|
46 |
24 |
|
48 |
26 |
|
50 |
28 |
|
52 |
30 |
|
54 |
32 |
|
56 |
34 |
|
58 |
36 |
|
60 |
38 |
|
62 or older |
40 |
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