Understand Work Credit Requirements in North Carolina

SSDI eligibility usually requires:

• Accumulating sufficient work credits by paying Social Security taxes.
• Credits based on your age and recent earnings history.
• Most adults need about 20 credits in the 10 years before disability.

Exceptions for Spousal or Family Benefits

Without your own work history, you may:

• Qualify for SSDI under a spouse's or ex-spouse’s work record.
• Benefit from dependent or survivor benefits if applicable.
• Need to meet specific criteria such as marriage duration or age limits.

Alternative Programs to Consider

If SSDI is unavailable, explore:

• Supplemental Security Income (SSI), which is need-based and doesn’t require work history.
• Other state or federal disability assistance programs.
• Resources for vocational rehabilitation or job training.

Common Challenges Without Work History

Be aware of common issues such as:

• Insufficient work credits to qualify for SSDI.
• Strict SSA rules on qualifying relationships for spousal benefits.
• The need for accurate and thorough documentation of disability to meet other programs’ criteria.

Steps to Take If You Lack a Work History

Consider the following:

• Consult an expert to review your eligibility options.
• Gather all medical evidence to support your disability claim.
• Explore filing for SSI or spousal SSDI benefits if eligible.