How long do I have to work to qualify for SSDI in Tennessee?
By Hogan Smith
Updated 12/08/2025
How long do I have to work to qualify for SSDI in Tennessee? In Tennessee, the length of work required to qualify for Social Security Disability Insurance (SSDI) depends on your age when you become disabled. Generally, you need to earn a certain number of work credits by paying Social Security taxes through employment. Most adults must have around 40 credits, with at least 20 earned in the last 10 years before becoming disabled. Younger workers may qualify with fewer credits. The SSA uses these credits to determine eligibility for SSDI benefits.
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Understanding Work Credits in Tennessee
Your eligibility for SSDI is based on:
- Work credits earned through paying Social Security taxes in Tennessee.
- Generally, you earn one credit per $1,640 of earnings in 2024, up to four credits annually.
Age and Work Credit Requirements
The SSA's rules vary by age:
- Most adults need about 40 credits, with at least half earned recently.
- Younger workers may need fewer credits to qualify.
Recent Work and SSDI Qualification
To prove recent work history:
- At least 20 credits must typically be earned in the 10 years prior to disability.
- This shows continuous employment and SSA tax contributions.
Impact of Employment Gaps
Work gaps can affect:
- Qualification eligibility if insufficient credits are collected.
- How the SSA evaluates your recent work activity.
Exceptions and Special Cases
Some exceptions include:
- Workers with younger age at disability may qualify with fewer credits.
- Military service and certain other credits can count toward the requirement.
How Hogan Smith Can Help
At Hogan Smith, we help Tennessee residents understand and meet the work credit requirements for SSDI by:
- Reviewing your work history to confirm you have enough credits for SSDI eligibility.
- Explaining how your age and employment timeline affect qualification.
- Guiding you through the SSA’s rules to maximize your chances of approval.
- Providing expert advice on handling exceptions or special work scenarios.
Contact Hogan Smith Today
If you have questions about how long you need to work to qualify for SSDI in Tennessee, contact Hogan Smith for a free consultation. Our team will help you understand your work credit status and guide you through the application process with confidence.
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