SSDI Work Credits Calculator
Have I worked enough to get SSDI? Estimate your work credits and the date your coverage may end.
Free · No account needed · Private · About 2 minutes
How it works
- 1
Share your age and work
Tell us your age and roughly when and how much you have worked.
- 2
We estimate your credits
We use SSA's 2027 credit rules to estimate where you may stand.
- 3
See your coverage window
Learn about your date last insured and what it may mean.
What you get
- An estimate of whether you may have enough work credits
- What your date last insured is and why it matters
- How to check your real record on my Social Security
- Next tools to try based on your result
What this tool does
- • Explains how SSDI work credits add up
- • Uses the 2027 credit rules from SSA
- • Shows why timing can matter for your claim
What this tool does not do
- • Does not read your actual SSA earnings record
- • Does not decide if you qualify
- • Does not file anything for you
Have I worked enough to get SSDI?
To get SSDI, you need enough work credits from jobs where you paid Social Security taxes. In 2027, you earn one credit for each $1,970 in pay, up to four credits a year.
Most adults need 40 credits, and 20 of them earned in the 10 years before you became disabled. Younger workers may qualify with fewer. For example, people under 24 may need 6 credits from the last 3 years.
If you stop working, your SSDI coverage lasts only so long. The last day you are covered is called your date last insured. Your disability generally needs to start by that date. You can see your exact credits on your my Social Security account.
Common questions
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Last reviewed October 15, 2026. For general information only, not legal or medical advice.
Sources: SSA: Quarter of Coverage · SSA: my Social Security
