How long do veterans have to work to qualify for SSDI?

By Hogan Smith

Updated 12/09/2025

How long do veterans have to work to qualify for SSDI? Veterans must have accumulated enough work credits through their employment history to qualify for Social Security Disability Insurance (SSDI). Typically, service members need to have worked and paid into Social Security for at least 10 years, or earn about 40 credits, although the exact number varies depending on age at disability onset. These credits reflect the length and recency of earnings, with younger veterans requiring fewer credits. Ensuring you meet these work history requirements is critical to SSDI eligibility.

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Step 1: Understanding Work Credits for Veterans

Veterans need to know:

  • Work credits are earned through paying Social Security taxes during employment.
  • The amount of credits needed depends on age at the time disability began.
  • Generally, 40 credits(about 10 years of work) are required for SSDI.
Step 2: The Impact of Age on Qualification

Consider the following:

  • Younger veterans may qualify with fewer than 40 credits.
  • Older veterans typically need more credits, reflecting longer work history.
  • Age affects how recent your work has to be.
Step 3: Service and Work History Combined

Veterans’ eligibility is influenced by:

  • Military service counts toward qualifications but may not replace all work credits required.
  • Veterans should document both military and civilian employment.
  • Transitional periods between service and civilian work affect credit accumulation.
Step 4: Limitations and Exceptions

Be aware of:

  • Shorter work histories might not meet SSA’s minimum requirements.
  • Certain service-related disabilities may qualify for alternative benefits.
  • Gaps in employment can affect credit accumulation.
Step 5: Importance of Accurate Records

Key points include:

  • Maintaining comprehensive pay and work records boosts approval chances.
  • Social Security statements help track earned credits.
  • Consulting experts can clarify your work credit status.

How Hogan Smith Can Help

At Hogan Smith, we guide veterans through the process of verifying their work credit history to meet SSDI qualifications.

  • Helping you accurately document both military and civilian earnings to establish eligibility.
  • Explaining how your age and employment timeline impact the required work credits.
  • Navigating SSA rules so you fully understand how your service affects your SSDI application.
  • Assisting in gathering comprehensive records and filing claims to maximize your chance of approval.

Contact Hogan Smith Today

If you're a veteran needing help understanding how long you must work to qualify for SSDI, contact Hogan Smith for a free consultation. We specialize in veteran SSDI claims and will support you through every step of the qualification process, ensuring your employment and service history are fully considered.

Further Reading

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Updated February 10, 2025

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Updated February 10, 2025

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Updated February 10, 2025

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