How do you find out how many work credits you have for Social Security Disability?

Work credits, or quarters of coverage, are accumulated through the earnings reported by the IRS each year to your earnings record. Individuals can potentially earn four quarters of coverage per year depending upon their earnings. Each year the amount of earnings it takes to earn a quarter of coverage goes up.

Additionally, if you wish to file for disability, the amount of work credits or quarters of coverage it takes to be insured depends upon your age. There are special rules for younger individuals that require less quarters to be insured for disability.

Now, how can you find out how many work credits or quarters of coverage you have? You can call the toll free Social Security number or call your local Social Security office. They should be able to tell you how many work credits or quarters of coverage you have earned and if you are insured for disability or retirement.





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