Are you considering applying for Social Security Disability Insurance benefits? If so, there are two earnings tests you will need to take. The purpose of these tests is to ensure that you are unable to work due to a disability.
To prepare for the SSDI work tests, you should know what to expect.
What are work credits?
As you work and pay FICA taxes, you earn credits based on your wages and the time you put in. SSDI work tests evaluate these credits to determine if you have paid into the Social Security System enough. You generally need at least 20 work credits to pass these tests.
What is the recent work test?
The recent work test factors in your age when your disability started. The younger you were at the time, the fewer work credits you will need in order to pass this test. It is worth noting that some blind applicants do not need to take the recent work test.
What is the duration of work test?
The duration of work test looks at your work history throughout your life to determine if you qualify for SSDI. You may automatically pass this test if you pass the recent work test, but there are exceptions. If you are older and you have not paid into the Social Security Administration for much of your life, your recent work credits may not be enough.
The SSDI work tests can be rather complex, but it is important that you understand the basics. With the right approach, you may get the benefits you deserve.