What Are Work Credits?

Work credits are the points you earn when you work and pay Social Security taxes. In 2025, you earn one credit for every $1,730 in wages or self-employment income, up to four credits per year. These credits stay on your record, even if you change jobs or stop working for a period of time.

How Many Work Credits Do You Need for SSDI in Texas?

The number of credits you need depends on your age at the time you become disabled:

• Before Age 24: You generally need 6 credits earned in the 3 years before your disability.
• Ages 24–30: You need credits for half the time between age 21 and when you became disabled.
• Ages 31–42: You need at least 20 credits earned in the 10 years before becoming disabled.
• Age 43 and Older: The number increases gradually, but typically you need up to 40 credits (with 20 earned in the last 10 years).

Why Work Credits Matter in Texas SSDI Applications

Work credits prove that you’ve contributed to Social Security long enough to be covered by the program. Without enough credits, you won’t qualify for SSDI—even if your disability is severe. Instead, you may need to apply for Supplemental Security Income (SSI), which is based on financial need rather than work history.

How to Check Your Work Credits in Texas

• Set Up an SSA Account: Visit ssa.gov/myaccount to review your earnings and credits.
• Review Annually: Mistakes in your work record can affect your eligibility, so check your Social Security statement each year.
• Correct Errors Quickly: If your earnings aren’t reported correctly, contact the SSA with W-2s or tax records to fix the issue.

What If You Don’t Have Enough Work Credits?

If you don’t meet the work credit requirement in Texas, you may still qualify for:

• Supplemental Security Income (SSI): Based on financial need.
• Disabled Adult Child Benefits: If you’re disabled before age 22 and a parent is insured.
• Widow or Widower Benefits: If your spouse earned enough credits and has passed away.