If you’re applying for SSDI, SSA will first review the number of work credits you have accumulated during your employment to ensure you meet their requirements. These work credits are based on your total yearly wages or self-employment income. You can earn up to 4 credits each year.

Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year your disability begins. This is called the 20/40 Rule. However, younger individuals require less credits:

Keep in mind that the amount needed for a work credit varies each year. In 2025, for example, you earn 1 credit for each $1,810 in wages or self-employment income you work in each quarter of the year. When you’ve earned $7,240, you’ve earned your 4 credits for the year.

So even if you are not a U.S. citizen, as long as you meet these work requirements and have the necessary legal status, you can apply for SSDI.

To qualify for SSI, which is a needs-based program for low-income individuals, your income and resources generally must be less than $2,019 per month. SSI is usually only available to U.S. citizens and certain qualified non-citizens (such as lawful permanent residents who have been in the U.S. for at least five years). If you are an undocumented immigrant or don’t meet specific residency requirements, you won’t be eligible for SSI benefits.

Navigating the application process can be tricky, it’s easy to overlook important details or make mistakes in your application, which can delay your case. Working with an experienced attorney can help you avoid common pitfalls. The attorneys at Casa de la Justicia are here to guide you through the process, ensuring that all the necessary paperwork is completed correctly. To strengthen your case for disability benefits, we will gather all relevant documents that show your medical condition and financial need.