Determining How Many Work Credits You Have Built Up

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    Ohio Work Credits and Social Security

    Work credits are what the SSA uses to determine if you have whether you have the minimum covered work history to be eligible for each type of Social Security benefit. When you need to apply for Social Security Disability Insurance benefits, you’ll need to know how many work credits you have earned. The following article explains how to find out how many work credits you have. If you have further questions about SSDI benefits and work credits, contact Liner Legal to speak with an SSDI attorney in Ohio.

    You earn credits by working and paying into Social Security taxes. Right now, you can receive a maximum of four credits per year. In 2021, you earn one Social Security or Medicare credit for every $1,470 in covered earnings each year. You must earn $5,880 to get the maximum four credits for the year.  Most people accrue more than they need during their lifetime to qualify for benefits, but that does not increase the number of benefits you receive. The number of work credits you need to qualify for disability benefits depends on how old you were when you become disabled. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year you become disabled. However, younger workers may qualify with fewer credits

    To see how many work credits you have built up, you will need to visit if you are younger than age 60. If you are older than 60, you will receive statements in the mail. Once you reach the site, click on the “my Social Security” link to create an account, or sign in to an existing account. If you need to create an account, you’ll need your name as it appears on your Social Security card, your SSN, date of birth, place of birth, and mother’s maiden name. Alternatively, you can also receive a statement by calling Social Security or contacting your local Social Security office. Click here to locate the office nearest you.

    Once you receive your statement, you’ll want to review your work history to make sure everything is correct. If the numbers seem off, you can compare your wages to previous W-2 statements or tax return forms. Errors are common, so it is important to verify that the information on your statement is correct.

    Akron OH Disability Law Firm

    If you are unsure if you have the proper work history and work credits built up to earn SSDI benefits, the best thing you can do is contact a Social Security office or a professional with SSDI experience. Our Akron Ohio disability law firm is fully equipped to help you with your Social Security benefits and claims.