Step 1: Understand Work Credit Requirements

SSDI eligibility in Colorado depends on:

• Accumulating sufficient work credits from paying Social Security taxes through employment.
• Most adults need around 20 work credits earned within the last 10 years before disability.
• Credits needed vary by age at disability onset, younger applicants require fewer credits.

Step 2: Explore Alternative Assistance Programs

If you lack a work history, consider:

• Supplemental Security Income (SSI), which is needs-based and does not require work credits.
• State or local disability benefits provided in Colorado for low-income individuals.

Step 3: Review Your Employment History Thoroughly

Even limited work may count towards eligibility if:

• You earned some Social Security credits through part-time or prior jobs.
• Military service or special coverage periods may add qualifying credits.

Step 4: Consider Medical Eligibility

Your disability must meet SSA’s criteria:

• Severe medical condition expected to last at least 12 months or result in death.
• Functional limitations that prevent you from engaging in substantial gainful activity.

Step 5: Understand the Importance of Professional Guidance

Because eligibility rules are complex:

• Consulting with a Social Security expert can clarify if SSDI is accessible based on your work history.
• Experts can help identify alternative benefits if SSDI is not an option.

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Common Challenges

Watch out for these obstacles:

• Insufficient work credits leading to denial of SSDI claims.
• Misunderstanding eligibility criteria between SSDI and SSI.
• Incomplete documentation of your disability or work history.