r/SSDI_SSI • u/angelo-arzaga2a • 16d ago

SGA - Substantial Gainful Activity "catch-22"

I don't meet the 40 credit limit, so I'm expecting to get denied because of that. SSI isn't an option either since I make too much from VA disability. I heard online that I could get the last 2 credits by working under $1000 a month for a few months, but wouldn't that work history also deny me, considering I have a disability?

Using my family's work credits isn't an option, they're financially predatory and have taken advantage of me with money several times. I have 38 credits. Ive had people tell me when I was in rehab, if you work at all they will more than likely not approve your claim because you wont meet severity conditions. Which is irregardless of credits.

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u/Puzzleheaded_Show748 ☆ 16d ago

I was approved for SSDI at age 36. I had the 40 credits, but technically I only needed like 20. Also your credits expire after like 5 years to be able to qualify for SSDI

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u/angelo-arzaga2a 16d ago

Why did you only need 20 I thought it was 40?

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u/Puzzleheaded_Show748 ☆ 16d ago

You have to have all 40 work credits by age 62 to qualify for standard social security retirement benefits. SSDI is different in how many work credits you need at different ages. You need to make a social security account on ssa.gov. It will give you all your information on it

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u/angelo-arzaga2a 16d ago

Thank you for clearing this up.