SSDI & Disability · free tool

SSDI Work-Credit / Insured-Status Screener

SSDI Work-Credit / Insured-Status Screener It’s free, runs in your browser, and stores nothing you enter.

Your age

Years worked in the last 10 years

SSDI insured-status screen

Younger-worker rules apply

Under 24, you generally need ~6 credits in the 3 years before disability.

Age0

Years worked in last 100

Illustrative insured-status screen. Exact credits depend on your earnings record; confirm with SSA. Not legal advice. This is an illustrative estimate for general informational purposes only. It is not legal, tax, or financial advice, it does not create an attorney–client relationship, and it is not a quote, promise, prediction, or guarantee of any benefit, amount, eligibility, deadline, or outcome. Figures are based on published government sources as of the date shown and change over time; results may not reflect current law or the facts of your situation. Do not rely on this tool — consult a licensed attorney before taking or refraining from any action.

Key figures behind this estimate

Published government figures used in the calculation, with their effective date and source.

2026 SSI Federal Benefit Rate

As of 2026 · SSA — 2026 SSI federal benefit rate (2.8% COLA, effective Jan 2026)

individual: $994 · couple: $1,491

General income exclusion

As of 2026 · SSA — SSI income exclusions

Earned income exclusion

As of 2026 · SSA — SSI earned-income exclusion ($65 + half the remainder)

2026 SGA — non-blind

As of 2026 · SSA — 2026 Substantial Gainful Activity amounts

$1,690

2026 SGA — blind

As of 2026 · SSA — 2026 Substantial Gainful Activity amounts (blind)

$2,830

SSI resource limits

As of 2026 · SSA — SSI resource limits ($2,000 individual / $3,000 couple)

individual: $2,000 · couple: $3,000

Frequently asked questions

What does the SSDI Work-Credit / Insured-Status Screener estimate?

SSDI Work-Credit / Insured-Status Screener It runs entirely in your browser and stores nothing you enter.

Are the figures current?

Yes. The estimate uses published government figures, each dated on this page (as of 2026) with its source.

Is this calculator legal advice?

No. It is an informational estimate from published data and does not create an attorney–client relationship. Confirm specifics with a licensed attorney.

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Illustrative insured-status screen. Exact credits depend on your earnings record; confirm with SSA. Not legal advice.