1. Understanding SSDI Work Credits

The Social Security Administration (SSA) uses “work credits” to determine eligibility for SSDI. In 2025, you earn 1 credit for every $1,730 in wages or self-employment income, up to 4 credits per year.

• Most adults need 40 work credits (about 10 years of work), with 20 earned in the last 10 years before becoming disabled.
• If you have a limited work history, the requirement is reduced based on your age.

2. Special Rules for Younger Workers

If you become disabled at a younger age, you may qualify with fewer credits:

• Before age 24: Only 6 credits earned in the 3 years before disability onset.
• Ages 24–31: Credits for working at least half the time between age 21 and the onset of disability.
• Age 31 or older: Fewer than 40 credits may still work if your work was recent enough and meets SSA’s guidelines.

3. Disability Definition Remains the Same

Even with reduced work credit requirements, you still must meet SSA’s strict definition of disability:

• You cannot do the work you did before.
• You cannot adjust to other work due to your condition.
• Your condition has lasted or is expected to last at least 12 months or result in death.

4. Alternative Option: SSI for Those With Little or No Work History

If you do not qualify for SSDI at all due to extremely limited work history, you may be eligible for Supplemental Security Income (SSI) instead. SSI is a needs-based program that does not require work credits, but you must meet strict income and asset limits.

5. Documentation That Can Strengthen Your Claim

Whether applying for SSDI or SSI in Texas, you should be prepared with:

• Medical records detailing your diagnosis, treatment, and limitations.
• Employment history, even if short.
• Statements from doctors, employers, or family about your condition’s impact.