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Social Security Answers expertSocial security question 30 day money back Carol Thomas has recently retired from the Social Security Administration after 28 years service and is ready to answer your questions.
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Last Update : 08-09-2012 

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Social Security Question:

Social Security not enough credits

Social Security Answer:

i am a 40 yr old woman. i have file for ssi waiting for a court date. i have work before but was told i was short 4 credits. been married for 10 yrs. with two children. but were seperated not legally. my question is if im approved for my disability can i receive ssd off of his work credit? also will my children be able to receive benefits as well? he receive 123.00 for veteran disability. being only 10% disable but still working. we have a disable son that receives ssi.

Support Replied ~ 03-27-2011 18:37:49

Dear Janice:
If you have only 4 credits to earn for your own disability, try to earn it....You could work part time and as long as you don't go over $900 a month, you can still be considered for disability. You cannot get disability from your husband unless he is dead...It is called disabled widows benefits. Your son will be eligible for disabled child's benefits when your husband files for retirement or disability or passes away. Make sure he tells Social Security that the child lives with you.....If he files for benefits and says the child lives with him, then he will get the checks.
Good Luck on the decision......Carol
Your Comment ~ 03-27-2011 21:11:17

if i get approve for ssi will i lose the credits i already have? meaning basicly starting all over to get the 20 credits i need to qualify for ssd. if i'm able to work part time

Support Replied ~ 03-28-2011 17:51:38

Dear Janice:
No you will not lose credits, but you must have worked 5 out of the 10 years before your disability date....So, if you don't get the quarters until next year, you will have had to have earned the quarters within 10 years of your disability date. If your work was heavier in the early years, then you might lose some.....It is hard to say without knowing what your earnings record looks like. However, you will not lose all and have to start all over.....You can call SS and ask them to look at your earnings record and see if it is worth your while to get a part time job to become insured for regular disability...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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In the news: Read Carols comments in this Social Security article

Thank you so much. The amount of infomation you provided on our call went a long way in helping to resolve the issues I had with the social security rep I was working with.
Tom F. 09-18-2019

Thank you so much. You provide a fantastic service and I really appreciate all your help. The next time I have a question regarding Social Security I will go to you first and save myself a lot of time.
Carol J. 09-06-2019

Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 08-26-2019

Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 08-26-2019

Hello, thank you so much for responding to my inquiry, I really did not expect to get an answer from you so quickly. Brought the information you sent to my social security office an the issue, i have been dealing with for months, was resolved in an hour.
Veda M. 08-06-2019

Thank you so much for the reply.
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Thank you so much for returning my email so quickly.
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