Social Security Disability Insurance (SSDI) benefits are an earned benefit. People only become eligible for SSDI benefits if they have an adequate work history and severe medical conditions. Sometimes, workers with medical conditions that might likely qualify for SSDI benefits question whether they are truly eligible. They may not have maintained full-time employment in recent years.
New parents, people preparing for retirement and those with chronic medical challenges might work part-time instead of holding a full-time position. Are people who work fewer than 40 hours a week eligible for SSDI benefits?
Part-time workers can qualify for full benefits
The number of hours an employee works does not directly dictate their eligibility for SSDI benefits. Instead, what the Social Security Administration (SSA) reviews is the number of credits on the worker’s record.
Applicants who are 31 years old or older generally need to have at least 40 credits. At least 20 of those credits should be from within the last decade. Younger workers can potentially qualify with fewer credits. Some may need as few as six credits to be eligible for SSDI benefits.
Professionals can earn up to four credits each year. In 2025, it is possible for professionals to accrue one credit for every $1,810 they earn. In other words, part-time or seasonal employees who earn at least $7,240 annually have likely accrued the maximum number of credits they could. They could then potentially qualify for SSDI benefits if their medical condition meets the necessary standards.
Reviewing medical records and employment history with a skilled legal team are both important aspects of preparing for an SSDI application. Ultimately, even people with limited work history may be eligible for SSDI benefits.
