How long does an individual need to have worked to qualify for SSDI?

Prepare for the Eligible for Direct Pay Non-Attorney (EDPNA) Exam. Study using flashcards and multiple choice questions with detailed hints and explanations. Ace your exam with confidence!

To qualify for Social Security Disability Insurance (SSDI), individuals generally need to have worked and paid Social Security taxes for a certain duration. The correct answer is based on the standard work credits required for eligibility. Specifically, an individual must have earned a total of 40 work credits, which can be accrued by working approximately five of the last ten years prior to becoming disabled. This requirement ensures that the individual has a sufficient work history and has contributed to the Social Security system, thus making them eligible for benefits.

The other options present different time frames that do not align with the SSDI requirements. For example, while three out of five years may seem like a possibility, it falls short of the necessary work credits needed for eligibility. Similarly, seven out of ten years and ten out of fifteen years are not standard benchmarks for SSDI qualification. Therefore, understanding that the threshold for SSDI eligibility revolves around having worked at least five of the last ten years is crucial for comprehending how the program operates and who it serves.

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