People who work to support themselves often become eligible for a variety of benefits. A long work history can help people qualify for several types of Social Security benefits. They may qualify for Social Security retirement benefits once they reach a certain age. They could also qualify for Medicare coverage to help pay their basic medical expenses during their retirement years.
Occasionally, workers may find themselves in need of support because they can not continue working until they reach retirement age. Social Security Disability Insurance (SSDI) benefits can provide a crucial safety net for individuals who cannot continue working due to major medical challenges.
Most people understand that those who have maintained full-time employment for years are usually eligible for SSDI benefits when medical emergencies arise. Those who may not spend as much time developing their careers may not feel as certain about their rights.
Are SSDI benefits available to those who only work seasonally or at a part-time job?
Eligibility depends on credits, not hours worked
The Social Security Administration (SSA) does not look at how many hours per week or per month a worker is on the clock. They also generally don’t look at a worker’s hourly wages to determine if they qualify for benefits. Instead, the ability to qualify based on work history depends on the number of credits they have accumulated.
Workers can earn up to four credits per year regardless of how many hours they work or how much money they earn. The SSA awards one credit for every $1,730 an employee earns. In other words, an employee only has to bring home $6,920 per year to earn the maximum of four credits available to them.
Even those who may only work retail support for the holiday season or as a lifeguard during the summer every year could potentially earn enough to accrue four credits annually. They do have to work consistently and have a recent work history in most cases to be eligible.
Employees with even moderate work history are often eligible for SSDI benefits if they become permanently disabled and completely unable to support themselves. Reviewing medical and work records with a skilled legal team can help people determine their eligibility for benefits.