How to check work credits for SSDI in Colorado?
By Hogan Smith
Updated 08/05/2025
To qualify for Social Security Disability Insurance (SSDI) in Colorado, you need enough work credits—which are earned based on your work history and how much you’ve paid into Social Security. Understanding how to check your work credits can help you determine if you’re eligible before applying.
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What Are Work Credits?
Work credits are the way Social Security measures your work history. In 2025, you earn 1 credit for every $1,730 in wages or self-employment income, up to 4 credits per year.
Most SSDI applicants need:
- 20 credits earned in the last 10 years, ending with the year they became disabled
- Fewer credits if they are younger than age 31
How to Check Your Work Credits
1. Create or Log In to Your My Social Security Account
Visit ssa.gov/myaccount and create or sign in to your My Social Security account. This free online portal provides access to:
- Your total number of work credits
- Your estimated SSDI benefits
- Your earnings history
This is the fastest and most accurate way to see if you meet SSDI credit requirements.
2. Review Your Earnings Record
Within your account, check your earnings record to make sure it's accurate. Missing or incorrect income could affect your eligibility. If something’s wrong, gather W-2s or tax documents and contact SSA to request a correction.
3. Contact SSA Directly
If you prefer not to use the online system, you can:
- Call SSA at 1-800-772-1213
- Visit your local Social Security office in Colorado
SSA staff can help verify your credits and explain what’s needed to qualify.
Why Work Credits Matter
Without enough credits, your SSDI application will be denied regardless of your medical condition. That’s why checking your credits before applying is essential. If you're short on credits, you may still qualify for SSI (Supplemental Security Income), which is based on financial need instead of work history.
How Hogan Smith Can Help
At Hogan Smith, we help Colorado residents:
- Check and interpret their work credit status
- Gather and submit missing documentation to SSA
- Determine eligibility for SSDI or SSI
- Prepare stronger claims based on both medical and work history
Contact Hogan Smith Today
Not sure if you have enough work credits? Reach out to
Hogan Smith for a
free consultation. We'll help you verify your eligibility and take the next steps with confidence.
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