How long do I have to work to qualify for SSDI in Alabama?
By Hogan Smith
Updated 12/03/2025
How long do I have to work to qualify for SSDI in Alabama? In Alabama, to qualify for Social Security Disability Insurance (SSDI), you must have earned enough work credits by paying Social Security taxes through your employment. The number of credits required depends on your age at the time you become disabled. Typically, you need about 20 credits earned within the last 10 years, with at least half of those credits earned in the 5 years prior to your disability onset. These credits represent a specific amount of work and contributions, showing that you have a solid employment history to be eligible for benefits.
Find out if you qualify for SSDI benefits. Pre-qualify in 60 seconds for up to $4,018 per month and 12 months back pay.
Please answer a few questions to help us determine your eligibility.
Work Credits Explained
SSDI eligibility in Alabama depends on:
- Work credits earned by paying Social Security taxes during employment.
- One credit is earned for a set amount of wages, up to 4 credits per year.
- The total credits needed vary based on your age when disability begins.
Typical Credit Requirements
Generally, you must have:
- 20 credits in the last 10 years before disability.
- At least half of the credits earned in the 5 years immediately preceding your disability.
- Fewer credits needed if you become disabled at a younger age.
How Age Impacts Qualification
Your age determines:
- If you are younger, fewer credits may be required.
- Older applicants must have work history closer to their disability onset date.
Work Activity and SSDI
To qualify, you must:
- Have worked long enough to earn the required credits.
- Have paid Social Security taxes through your jobs.
Exceptions and Special Cases
Some factors may affect qualification:
- Military service work credits may count differently.
- Periods of disability before age 22 have separate credit rules.
How Hogan Smith Can Help
At Hogan Smith, we guide Alabama residents through understanding how your work history affects SSDI qualification by:
- Evaluating your work credits and employment records to determine eligibility.
- Explaining the specific credit requirements based on your age and disability onset.
- Helping you gather necessary proof of Social Security tax payments.
- Providing expert advice on addressing complex cases involving unusual work histories or gaps.
Contact Hogan Smith Today
If you’re unsure about how long you need to work to qualify for SSDI in Alabama, contact Hogan Smith today for a free consultation. Our knowledgeable team will review your employment history and work credits and help you understand your eligibility so you can confidently pursue the benefits you deserve.
Further Reading
Boost Your Chance of Being Approved
Get the Compensation You Deserve
Our experts have helped thousands like you get cash benefits.
How It Works
1
Briefly tell us about your case
2
Provide your contact information
3
Choose attorneys to contact you