Disability Insurance Benefits (DIB)

As you may know there are two types of Social Security Disability Benefits, Disability Insurance Benefits (DIB) and Supplemental Security Income (SSI). The first type of benefit we will discuss here are Disability Insurance Benefits or DIB. In order to qualify for DIB benefits you must have “paid into the system.” DIB benefits are the larger of the two benefits with the maximum benefit currently being set at $2,687 per month. It is important to note that you may be qualified for BOTH DIB and SSI benefits. The question is, how can I determine if I am eligible for DIB benefits?


Qualifications for DIB Benefits

To qualify for DIB benefits you must have enough work credits. As a rule of thumb, if you are over the age of 31 you must have worked at least 5 out of 10 of the years previous to you becoming disabled. However, Social Security has broken down how many credits you will need for those under 31. To determine how many work credits you have you can contact your local Department or Workforce Services office. Below is a chart with Social Security’s criteria for qualifying technically for DIB Benefits.

  • Before age 24–You may qualify if you have 6 credits earned in the 3-year period ending when your disability starts.
  • Age 24 to 31–You may qualify if you have credit for working half the time between age 21 and the time you become disabled. For example, if you become disabled at age 27, you would need credit for 3 years of work (12 credits) out of the past 6 years (between ages 21 and 27).
  • Age 31 or older–In general, you need to have the number of work credits shown in the chart below.

Unless you are blind, you must have earned at least 20 of the credits in the 10 years immediately before you became disabled.

Became Disabled at Age Number of Credits You Need
31-42 20
44 22
46 24
48 26
50 28
52 30
54 32
56 34
58 36
60 38
62 or older 40

Hire a Utah Disability Lawyer

If you are unable to work and would like to Apply for Social Security Disability, hiring a qualified Utah Disability Lawyer can make the difference between winning and losing disability benefits. Here at Mountain West Disability we charge $0 up front and will only accept a fee if we are able to get you disability benefits. Call today for your free evaluation.



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