Understanding SSDI Eligibility

SSDI is designed for individuals who have worked and paid into the Social Security system through payroll taxes for a sufficient amount of time. However, what happens if you have no work history? In most cases, the answer is that you cannot qualify for SSDI unless you have worked long enough and paid into Social Security. But there are a few important details to consider:

• Work Credits Requirement: To qualify for SSDI, you need to have earned a certain number of work credits. Most people earn one credit for every $1,510 in wages or self-employment income (2025). You can earn up to four credits per year. The number of work credits required depends on your age at the time you become disabled. Typically, you need 40 credits, with 20 of those earned in the past 10 years before you became disabled.
• What If You Have No Work History? If you don’t have any work history, you generally won’t qualify for SSDI. However, there are exceptions:
• If you are young (under 31), the Social Security Administration (SSA) may reduce the number of work credits you need to qualify. You could qualify with just a few years of work history.
• If you are disabled before you turn 22, you may qualify for SSDI through a parent's work record, especially if your parent is receiving Social Security benefits.

Supplemental Security Income (SSI) as an Alternative

If you don’t qualify for SSDI due to a lack of work history, you may still be eligible for Supplemental Security Income (SSI). Unlike SSDI, SSI is a needs-based program that does not require a work history. Instead, the focus is on your financial situation and whether you have limited income and resources. SSI is often the best option for those with no work history but still meet the disability requirements.

How to Prove Disability for SSDI or SSI

Whether you apply for SSDI or SSI, you will need to provide solid medical evidence to prove your disability. This includes medical records, treatment history, and detailed information from healthcare providers about how your disability impacts your ability to work and perform daily activities.