To qualify for disability benefits, how many of the last 40 quarters must you have worked?

To qualify for Social Security Disability Insurance (SSDI) benefits, an individual must have earned sufficient work credits, which are determined by their work history and the number of quarters worked. Typically, one work credit is earned for a certain amount of earnings in a calendar year, and individuals can earn up to four credits per year.

To qualify based on the last 40 quarters of work, a person must have worked at least 20 of those quarters, which accounts for about five years of work within the specified timeframe. This requirement ensures that beneficiaries have a substantial work history and have contributed to the Social Security system before being eligible for disability benefits.

This understanding highlights the importance of having a solid earnings record, as it directly impacts eligibility for SSDI and other related benefits. Additionally, while the other choices appear to be viable options, they do not meet the prescribed number of credits needed for qualification under the Social Security guidelines.