Work History Requirements

One of the main qualifications for SSDI is having a sufficient work history. This is measured by “work credits,” which you earn by paying Social Security taxes through employment.

• How Many Credits Are Needed? Most people need about 40 work credits, with 20 earned in the last 10 years before becoming disabled.
• Younger Workers – If you become disabled at a younger age, you may qualify with fewer credits. For example, someone in their 20s or early 30s may qualify with a shorter work history.
• Employment in New Hampshire – As long as you’ve worked jobs covered by Social Security, your state of employment doesn’t affect your credits. However, New Hampshire-based workers will still file through local SSA offices.

Medical Disability Requirements

To qualify, you must also meet the SSA’s definition of disability, which is very strict. Unlike some other programs, SSDI does not cover partial or short-term disabilities.

You must prove that:

• Your condition prevents you from performing your previous work.
• You cannot adjust to other work due to your medical limitations, age, education, and skills.
• Your disability is expected to last at least 12 months or result in death.

The SSA uses a detailed Listing of Impairments, sometimes called the “Blue Book,” which includes conditions like severe musculoskeletal problems, heart disease, neurological disorders, and mental health conditions. If your condition is not listed, you can still qualify by showing that it limits your ability to work as much as those on the list.

The Five-Step Evaluation Process

When reviewing SSDI claims in New Hampshire, the SSA follows a five-step process:

1. Are you working? If you earn above the “substantial gainful activity” (SGA) limit, your claim may be denied.
2. Is your condition severe? The SSA checks if your condition significantly limits your ability to do basic work tasks.
3. Does it match a listed impairment? Meeting the Blue Book requirements can lead to automatic qualification.
4. Can you do past work? If you can still perform your old job, your claim may be denied.
5. Can you do any other work? If no other suitable jobs exist given your condition, age, and skills, you may be approved.

Other Factors That Impact Qualification

• Consistent Medical Treatment – Regular doctor visits and following prescribed care strengthen your claim.
• Detailed Medical Records – Hospital notes, lab tests, imaging results, and specialist reports are all vital.
• Supportive Physician Statements – A clear opinion from your treating doctor about your inability to work can make a big difference.