All things disability attorney
Q: The SSA says I am short one credit to apply for disability insurance. What, exactly, do they mean? A: The SSA has so much small print and obscure rules that nobody but a social security lawyer could learn them all. For you to be eligible to be "insured" for SS Disability, you will generally (though not always) need to have earned 20 credits during the last ten years of work. This is a rolling ten year period that is supposed to end on the day that your disability is judged to have begun. Unfortunately, due to the combination of rules requiring a certain number of credits for people of a certain age, and a certain number of those credits earned in the last 10 years, not meeting the credit requirements is easy.