Work History Requirements for SSDI

SSDI benefits depend on:

• Accumulated work credits from paying Social Security taxes.
• The number of credits needed varies based on your age when you become disabled.
• Most people need 20 credits earned in the last 10 years to be eligible.

Possible Exceptions and Alternatives

Even without work credits, you might:

• Qualify for auxiliary benefits through a spouse or parent’s work record.
• Be eligible for other types of Social Security assistance like Supplemental Security Income (SSI).

Impact of No Work History in New Mexico

If you don’t have work history:

• Your direct SSDI application is likely to be denied based on insufficient credits.
• SSI benefits might still be an option if you meet financial and disability criteria.

How the SSA Evaluates Claims

The Social Security Administration will:

• Review your work history and credit accumulation.
• Assess medical evidence confirming your disability.
• Consider other benefit programs if you don’t qualify for SSDI directly.

Common Reasons for SSDI Denial Without Work History

Be aware that denials often occur due to:

• Insufficient work credits recorded in SSA’s system.
• Failure to establish qualifying disability onset date.
• Lack of documentation for alternative benefit eligibility.