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Date Add : 09-12-2011 

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Social Security Question:

Oints Required For SSD eligibility

Social Security Answer:


My wife went back on active duty with the U.S. Army while I was ill and she was wounded in Iraq in 2004 at age 33. She is 100% disabled by VA and was medically retired by U.S. Army.

She had earned over twenty points according to the paper SSA sends out, however in the ten years prior to being wounded she only earned eighteen points as she stayed home and didn't work for a couple of years while I was deployed overseas and she was going to school and raising our young children.

Is the 20 points in the previous ten years hard and fast or is there a waiver or something not published that recognizes she was a student and mother for a couple of years and made no money?

We weren't going to submit but the wounded warrior folks said we should so we will submit via the SSA wounded warrior program but I am really curious if this is a paper exercise or can she really be eligible for social security disability even though she only earned eighteen points in the previous ten years. We are making it. I have a job but with a family of five, one already in college, this one income thing really hurts and I think she has earned it.

Support Replied ~ 02-25-2011 10:18:48

I applaud you and your wife and am very sorry to hear of your disabilities.
For disability, one must work 5 of the 10 years prior to the disability. You are right when you say 20 quarters out of 40....Maybe she could work at home for a home run business and earn some quarters. If she only needs a few quarters, it is about $1100 a credit (not too sure now, but I know it is around that amount).
In answer to your question, there are no quarters allotted to people who stay home and either go to school or raise children. Unfortunately, you have waited so long, she might need to get insured status all over again....I would call the toll-free number and ask them if there are any new programs for a situation that your wife has....Also call the Veterans Administration because they are very aware of programs that help the veterans....Take care and I wish your family the best......Carol

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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

Information obtained from, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.

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