How many Social Security credits must an individual earn each year to qualify for SSDI?

To qualify for Social Security Disability Insurance (SSDI), an individual needs to earn a total of 40 Social Security credits, which typically requires a certain amount of work over a span of years. However, one must also be aware that to earn these credits, individuals can receive up to 4 credits per year, based on their income. Thus, earning 4 credits each year is both the maximum number of credits possible in a year and the specific amount required to eventually reach the threshold needed for SSDI eligibility.

As a reference point, as of 2023, an individual earns 1 credit for every $1,640 in earnings, and since the maximum is 4 credits each year, this implies that those with a work history can gradually accrue enough credits over a lifetime in order to qualify for SSDI benefits. This yearly cap on credits underlines the significance of consistent employment for building up the necessary credits while understanding the requirements for disability benefits.