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Baby Boomers' Aging Wave Affects Social Security Disability Program
Date:9/22/2008

> "There is no 'right' age to apply for SSDI benefits," said http://www.allsup.com/About-Us/News-Room/Resources-for-Journalists/Allsup-Experts/Edward-Swierczek.aspx?=PRW1 [Ed Swierczek], an Allsup senior claimant representative with more than three decades of SSA experience. "Circumstances are such that young professionals who have worked several years and experienced a seriously disabling illness or injury can apply for SSDI. But age is not the only factor. There are other eligibility requirements that also must be met in order to file an application for Social Security disability benefits."

Age-Specific Requirements
Along with age, someone's work record is considered in an SSDI application. Generally, people must have worked five out of the past 10 years and have 20 quarters of coverage to apply for SSDI.

People typically earn four quarters of credit for every year they work. For example, if you've worked five years, then you have earned 20 quarters of credit. Someone at age 48 would http://www.allsup.com/About-Us/News-Room/Current-News/Two-Categories-of-Information-Are-Key-in-Seeking-.aspx?=PRW1 [qualify for SSDI] if he worked five of the years from age 38 to 48 and has those 20 quarters of coverage. The five years of work do not have to be consecutive.

Younger workers may qualify with fewer credits. For example, workers who are under age 24 may qualify if they have six credits earned in three years, usually the three years leading up to their disability.

Up to age 31, workers may qualify if they have worked half the time from age 21 leading up to their disability. For example, if someone becomes disabled at age 29, then h
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