Step 1: Understand Work Credit Requirements

Qualifying for SSDI in Texas generally requires:

• Earned work credits based on your Social Security payroll tax contributions.
• Usually, adults need about 20 work credits in the 10 years before disability onset.
• Credits needed vary depending on the age at which your disability began.

Step 2: Consider Alternative Benefits

Without enough work credits, you might explore:

• Supplemental Security Income (SSI), a needs-based program for disabled individuals with limited work history.
• Other state-based disability assistance programs available in Texas.

Step 3: Document Your Disability Thoroughly

For any Social Security disability benefit application:

• Collect medical evidence detailing the severity and duration of your disability.
• Ensure reports from licensed healthcare providers support your claim.

Step 4: Apply and Appeal Strategically

Because eligibility rules are strict:

• Carefully file your application, including all required documentation.
• Be prepared to appeal if denied, as many initial claims are turned down.

Common Challenges

Watch out for:

• Insufficient work credits causing automatic denial of SSDI benefits.
• Lack of awareness about SSI and other alternative support options.
• Incomplete medical evidence that fails to meet SSA requirements.