Can I apply for SSDI if I don’t have a work history?
By Hogan Smith
Updated 12/09/2025
Can I apply for SSDI if I don’t have a work history? Generally, Social Security Disability Insurance (SSDI) requires a work history due to its need for sufficient work credits earned through paying Social Security taxes. However, without a work history, it can be challenging to qualify for SSDI benefits. In such cases, different options like Supplemental Security Income (SSI) might be available instead. Understanding your eligibility is important before applying.
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Work History Requirement for SSDI
SSDI eligibility depends on:
- Work credits earned through paying Social Security taxes.
- Number of credits needed varies by age when disability begins.
- Typically, these credits come from paid employment.
Applying Without Work History
Without a work history, you:
- Will likely not qualify for SSDI benefits due to insufficient credits.
- May want to explore Supplemental Security Income (SSI), which does not require work credits.
Alternative Support Options
If you lack work history, consider:
- SSI benefits based on financial need and disability.
- State and local assistance programs for disabled individuals.
Importance of Medical Evidence
No matter your work history, you must:
- Provide strong medical documentation proving your disability.
- Show your condition significantly impairs your ability to work.
Seek Professional Guidance
Because SSDI rules can be complex, it's important to:
- Consult experts who can provide personalized advice based on your situation.
How Hogan Smith Can Help
At Hogan Smith, we support those wondering if they can apply for SSDI without a work history by:
- Reviewing your complete background to assess your eligibility accurately.
- Explaining alternative benefit programs like SSI when SSDI isn’t an option.
- Helping gather and organize strong medical evidence to support your claim.
- Guiding you through the application and any appeal processes to maximize your chance of approval.
Contact Hogan Smith Today
If you are uncertain about qualifying for SSDI without a work history, contact Hogan Smith today for a free consultation. Our knowledgeable team will help you understand your options clearly and advocate for the benefits you deserve, whether through SSDI or alternative programs.
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