Am I Covered?

Social Security Disability Coverage Issues

Not everyone is eligible to receive Social Security Disability benefits even if they meet the Social Security Administration’s definition of disability. You must have worked in a job that is covered by Social Security long enough and recently enough to qualify. In addition, your disabling impairment must have caused you to be off work for at least five months and be expected to prevent you from returning to any type of work for at least a year.

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If you have questions about your disability coverage status, please contact a lawyer at the Adler Firm, PLLC, today. We can help you determine whether you are covered by Social Security Disability Insurance. We have more than 30 years of experience helping disabled people in Detroit, Traverse City and throughout Michigan obtain the disability benefits they are entitled to receive.

According to the Social Security Administration, disability coverage is based on the number of work credits you have earned. You can earn up to four Social Security work credits each year. Work credits are based on your total yearly wages or self-employment income.

The amount of earnings needed for a credit changes from year to year. In 2007, you earn one credit for each $1000 of wages or self-employment income. When you’ve earned $4,000, you’ve earned your four credits for the year.

The number of work credits you need to qualify for disability coverage depends on your age. In general, you need 30 credits, half of which must have been earned in the past 10 years ending with the year you became disabled. That translates into working five of the past ten years.

The Social Security Administration sends an earnings statement to workers annually that shows how much you’ve earned each year, how much you will receive from Social Security at your retirement age, and whether or not you met the disability benefits work requirements. You can also go to to learn if you are covered. If you are not covered by Social Security Disability Insurance, you still may be able to receive Supplemental Security Income benefits.

If you have any questions about Social Security Disability coverage, please contact an attorney at the Adler Firm, PLLC. Our disability benefits attorneys offer a free consultation and case evaluation. You will pay no attorney fees unless we win benefits for you.

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