Understanding SSDI Work History Requirements

SSDI eligibility depends on your work record as follows:

• Work credits are earned based on your income and years of work.
• You need a minimum number of credits, which varies by your age when disability occurs.
• Without enough credits, SSDI benefits are typically unavailable.

No Work History: What Are Your Options?

If you lack sufficient work history in Utah:

• SSDI is unlikely since credits are required for eligibility.
• Supplemental Security Income (SSI) may be an alternative, focusing on financial need.
• SSI eligibility depends on income and resources, not work history.

Exceptions and Special Situations

Consider these points:

• Young workers may qualify with fewer work credits.
• Disabled adult children of insured workers may be eligible under specific SSA rules.
• Some military service may count toward credits.

SSA Evaluation Process in Utah

The SSA will:

• Verify your complete work and medical history before approving SSDI.
• Evaluate your disability based on medical evidence.
• Check the number of work credits you have earned through your contributions.

Common Reasons for SSDI Denial Without Work History

Denials often happen because:

• Insufficient or missing work credits to meet SSA standards.
• Lack of continuous employment in recent years.
• Not meeting the SSA’s medical qualification requirements despite disability.