1. Understand Work Credit Requirements

To qualify for SSDI in Virginia, you need:

• Accumulated enough work credits through employment and paying Social Security taxes.
• Generally, one credit is earned per $1,640 earned in 2024 (amount subject to change).
• At least 20 credits are usually required, with 10 earned in the last 10 years.

2. Age Affects Credit Requirements

Your age when disability starts affects minimum work credits:

• Younger workers need fewer credits to qualify.
• Older workers may need more credits because the SSA looks back further.
• Age 50 or older may require 20 work credits, but fewer if younger.

3. Recent Work is Important

The SSA focuses on your recent work history:

• You must have worked recently enough to show you contributed to the Social Security system.
• This generally means earning enough credits in the 5 to 10 years prior to disability.

4. Exceptions and Special Rules

There are exceptions to standard rules:

• Disabilities starting before age 24 have different credit requirements.
• Long-term disabilities or early age of onset often change how credits are counted.

5. Check Your Social Security Statement

Maintain awareness by:

• Reviewing your SSA work history online or by request.
• Tracking your earned credits to ensure eligibility.

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6. Keep Documentation of Work History

Proper records help prove eligibility:

• Keep records of employment and Social Security taxes paid.
• Provide clear evidence during the SSDI application process.