Can I get SSDI if I don’t have a work history in Indiana?
By Hogan Smith
Updated 12/04/2025
Can I get SSDI if I don’t have a work history in Indiana? In Indiana, Social Security Disability Insurance (SSDI) is generally reserved for individuals who have earned enough work credits through paying Social Security taxes. If you don’t have a work history, it’s unlikely you will qualify for SSDI benefits because the program requires these credits. However, there may be alternative benefits or exceptions based on disability onset, dependents’ work records, or other Social Security programs like Supplemental Security Income (SSI).
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Work History Requirement for SSDI
Eligibility depends on:
- Earning enough work credits through Social Security-covered employment.
- Most adults need approximately 20 credits from the last 10 years to qualify.
No Work History Means SSDI Limits
If you lack work history:
- SSDI eligibility is typically denied without sufficient credits.
- You may not qualify regardless of disability severity.
Alternative Support Options
Consider:
- The Supplemental Security Income (SSI) program, which does not require work credits.
- Medicaid assistance and other state benefits for the disabled.
Spousal or Dependent Benefits
In some cases:
- You may be eligible for SSDI based on a spouse’s or parent's work record.
- Dependent or survivor benefits can provide financial help.
Consult SSA for Individual Circumstances
The Social Security Administration will:
- Review your specific case including income and disability status.
- Provide guidance on eligibility and alternative programs.
How Hogan Smith Can Help
At Hogan Smith, we help Indiana residents understand their SSDI eligibility requirements when lacking a work history by:
- Evaluating your individual situation and exploring if alternative benefits like SSI may apply.
- Reviewing possible qualifying circumstances such as spousal or survivor benefits to maximize benefit potential.
- Assisting with gathering necessary documentation to support your disability claim regardless of work credits.
- Guiding you through the application process and advocating on your behalf with the SSA.
Contact Hogan Smith Today
If you’re unsure about qualifying for SSDI without a work history in Indiana, contact Hogan Smith now for a free consultation. Our experienced team will help you understand your options, including alternative disability benefits, and support you throughout the application process.
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