I realize you have a question about social security. My goal is to help you better understand your options.
To get retirement benefits, you need 40 quarters (10 years) of work history
To be eligible for disability benefits, you need to have 20 quarters (5 years) of work
Your benefit will be based on your salary while you work. The more you make, the higher your benefit
Do you have any further questions?
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Since I lack 5 years of work, I receive LTDI from a private insurance company. Can I use a portion of this to contribute to my SS retirement?
Thank you for your follow up. No, you cannot use LTDI payments as work experience for your social security record. Only wages that you are paid that have social security taken out of them count
Do you have any other further questions?
I forgot to ask wether the years of work is part time or full time.