Work History Requirement for SSDI

To qualify for SSDI in New Jersey, consider:

• Sufficient work credits earned through payroll taxes are necessary to qualify.
• The number of credits needed depends on your age at the time your disability began.
• Typically, you need about 20 credits earned in the last 10 years for SSDI eligibility.

Alternatives for Those Without Work History

If you lack enough credits, you might:

• Be eligible for Supplemental Security Income (SSI), which is need-based and does not require work credits.
• Explore state or local disability assistance programs in New Jersey.
• Consider applying for SSDI if your work credits from other states meet SSA requirements.

Role of Medical Evidence

Regardless of work history, SSA will:

• Review your medical records extensively to verify the severity and duration of your disability.
• Ensure that your condition meets SSDI listings or prevents substantial gainful activity.

Consideration of Spousal or Dependent Benefits

Even without work history, you might:

• Qualify for benefits as a dependent or spouse of someone who qualifies for SSDI through their work record.

Common Challenges and FAQs

Be aware that:

• Lack of work credits is one of the main causes for initial SSDI denials.
• Understanding the distinction between SSDI and SSI programs can help set realistic expectations.
• Seeking professional advice can improve your chances of securing some form of disability assistance.