How long do I have to work to qualify for SSDI in Utah?
By Hogan Smith
Updated 12/08/2025
How long do I have to work to qualify for SSDI in Utah? In Utah, the time you need to work to qualify for Social Security Disability Insurance (SSDI) depends on your age and work history. Generally, you must have earned enough work credits by paying Social Security taxes over the years. Adults usually need about 20 credits within the past 10 years, but younger workers may require fewer credits. The Social Security Administration evaluates your employment timeline to confirm if you meet the required work duration for SSDI benefits.
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Understanding Work Credits in Utah
To qualify for SSDI, you must have earned:
- Work credits based on your total earnings paying Social Security taxes.
- Generally, you earn up to 4 credits per year by working and paying taxes.
- The amount needed varies depending on your age at disability onset.
Work Duration for Most Adults
Typically:
- You need at least 20 credits earned in the last 10 years before your disability begins.
- This usually means working about 5 years under Social Security tax.
Reduced Requirements for Younger Workers
If you become disabled early:
- Fewer credits are required if you are younger than 24 years old when disabled.
- Some may qualify with as few as 6 credits earned over three years.
Work Credits Expiry Considerations
Keep in mind:
- Work credits older than 10 years may not count unless you are younger than 24.
- This ensures you have a recent work history before disabling illness or injury.
Confirming Eligibility with SSA
The Social Security Administration will:
- Review work history records to count your credits.
- Confirm you meet the required work period for SSDI benefits.
- Ensure your disability status aligns with work credit qualifications.
How Hogan Smith Can Help
At Hogan Smith, we help Utah workers understand how long they must have worked to qualify for SSDI benefits by:
- Evaluating your work credit history with Social Security to verify your eligibility timeline.
- Explaining how your age and work duration impact qualification for SSDI.
- Assisting with gathering and organizing employment and tax records required by the SSA.
- Guiding you through the application process to ensure your work history meets the necessary standards.
Contact Hogan Smith Today
If you're wondering how long you need to work to qualify for SSDI in Utah, contact Hogan Smith today for a free consultation. Our knowledgeable team will help review your work history, explain important qualification factors, and support you in securing the disability benefits you deserve.
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