Step 1: Understand Work Credit Requirements

Before applying in New Hampshire, know that:

• SSDI requires enough work credits accumulated through Social Security taxes.
• Credits needed vary based on your age at the time of disability.
• Without these credits, SSDI benefits usually aren’t granted.

Step 2: Assess Your Work History

Look at your employment to determine eligibility:

• Have you worked recently and paid Social Security taxes?
• Consider partial work history that might still meet minimum credit thresholds.
• Short or informal work arrangements may not count toward credits.

Step 3: Explore Alternative Disability Benefits

If you lack work credits for SSDI:

• Supplemental Security Income (SSI) is available for disabled individuals with low income and limited work history.
• SSI eligibility does not require work credits like SSDI does.
• You may qualify for state or local assistance programs in New Hampshire as well.

Step 4: Document Your Disability Thoroughly

Whether applying for SSDI or SSI, ensure:

• Medical records clearly show severity and duration of your condition.
• Licensed professionals provide detailed evaluations.
• Supporting documentation can help strengthen benefit claims.

Common Challenges to Keep in Mind

These issues often impact SSDI claims without work history:

• Insufficient work credits denying SSDI eligibility.
• Misunderstanding SSI vs SSDI qualifications.
• Incomplete medical evidence causing denials.
• Failure to seek guidance on alternative benefits.