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What are work credits? What is the 20/40 Rule?

The Social Security Administration program which concerns “work credits” is Disability Insurance Benefits (DIB or Title II). To be eligible, an applicant (who is the wage earner) needs “insured” status which depends on the quarters of coverage that have been acquired as a result of gainful, “covered“ employment. A wage earner must have sufficient quarters of coverage to be “fully insured,” and therefore, entitled to DIB.

For the period of 40 quarters immediately preceding disability, the wage earner must have a least 20 quarters of coverage in that 40 quarter period. This is the “20/40 rule.”

Read more at https://www.ssa.gov/oact/progdata/ins...

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Lawyers Representing the Injured Men and Women of Alabama Since 1967.

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