Social Security Questions? Ask a Social Security Expert
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As a general rule, you need ten years of work that is covered by Social Security, or 40 credits, to qualify for retirement and disability benefits. One year of work generally earns four credits. However, when qualifying for disability, younger workers can qualify will less time working. You can see this chart to see how many credits your friend would need based upon her age: http://www.ssa.gov/planners/credits.html#&a0=2
I hope this answers your question. Please let me know if I can clarify anything or answer any additional questions. Thanks, Jonathan
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