I was denied Social Security Disability Insurance benefits. The denial letter said I did not have enough credits. What does this mean?
Social Security Disability Insurance is similar to any private insurance policy. You have to pay premiums to qualify for coverage. These “premiums” are taken out of your paycheck every month at your job and paid to the Social Security Administration. A set amount paid to Social Security earns you a quarter credit. In order to be insured, you need enough quarter credits at the time you become disabled to be insured. An easy way to determine whether or not you are insured is to request a copy of your Social Security Statement.
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