History of Labor Day & How Work Credits Are Mostly Required for SSDI Benefits

History of Labor Day & How Work Credits Are Mostly Required for SSDI Benefits

SSDI Work Credits & Labor Day History Facts

Hard work has always been the foundation of the American dream. A widely held belief in this country presumes that if you work hard you will succeed. This is just one of the reasons why we even have a holiday that celebrates the American workforce in the form of Labor Day. Which is celebrated on the first Monday in September.

It’s also why the country has made a serious effort to protect American workers should anything happen to them that could prevent their ability to work. As long as American citizens have enough work credits to their name, they can qualify for Social Security Disability Insurance should they experience a condition that leaves them incapable of working.

The History of Labor Day

Labor Day became an official holiday on a state by state basis. Although New York was the first state to introduce a Labor Day bill, Labor Day first became an official holiday in Oregon on February 21st, 1887. New York along with three other states–Colorado, Massachusetts, and New Jersey–all passed legislation officially recognizing Labor Day as a holiday in that same year. Within seven years, pretty much the rest of the country followed suit.

Origins of Labor Day

It’s a little unclear who came up with the idea of a Labor Day. Several different persons receive credit. These include Peter McGuire, who was the secretary of the Brotherhood of Carpenters and Jointers. He was also the co-founder of the American Federation of Labor.

Matthew McGuire has also been attributed to the origin of Labor Day in some circles. He was the secretary of Local 344 of the International Association of Machinists located in Paterson, NJ. Certain accounts state that he may have suggested the holiday while serving as the secretary of the Central Labor Union in New York.

The first Labor Day holiday celebration occurred in NYC on Tuesday, September 5th, 1882. Two years, later, the holiday was moved to a Monday. Which was the day on which it was originally proposed to be held. In the original proposal, it was suggested that celebrations involve a street parade. The parade would then showcase the strength of trade and labor organizations. In addition, festivities for the entertainment of workers and their families took place after the parade.

When a One-Day Labor Strike Becomes a National Holiday

It wasn’t long after Labor Day began being celebrated that leading union officials, government officials, educators, and more began giving speeches on Labor Day. These speeches were provided wide coverage by newspapers, radio, and TV.

However, local government agencies and businesses did not want to recognize the holiday by providing their employees with the day off — not at first. Workers themselves solved this by declaring a one-day strike. Even though Labor Day is a national holiday, employers are not required to provide the day off.

The establishment of Labor Day helped to bring attention to the worker and their needs. At the time, workers worked excruciatingly long weeks (upwards of 70 hours a week and longer). This has changed drastically in this day and age when people can enjoy time off and shorter weeks.

SSDI Medical Qualifications & Work Credits

American workers have won many rights over the years (including the right to time off and over time). However, one of their biggest wins was Social Security Disability Insurance (SSDI). Before SSDI, workers who became disabled were simply out of luck. They could no longer perform their job. Which meant that they could no longer work and make an income.

SSDI was created to help protect workers against losing their ability to earn an income due to a disability. However, not just anyone can qualify for SSDI benefits. To ensure that nobody tries to take advantage of the program, you have to be able to prove that you have a certain condition. Additionally, that this condition is preventing you from being able to work.

This means that you need to provide all kinds of medical documentation concerning your condition. The Social Security Administration has a Blue Book that contains listings of all physical and mental conditions and symptoms that they consider to be disabling.

Work Credits Required to Qualify for SSDI Benefits

In addition to proving that you are disabled, you must also have a certain amount of work credits in order to qualify. When you earn income in the U.S., a portion of your paycheck pays for Social Security tax. In return, you are provided with work credits. These work credits determine whether you can receive SSDI benefits, Social Security Retirement benefits, and Medicare benefits.

The maximum amount of work benefits you can receive is four per year. You receive one work credit per a certain amount you earn. This amount changes year by year in order to keep up with inflation. In 2019, workers receive a work credit for every $1,360 they earn. Although they can only earn a maximum of four credits per year.

Generally speaking, you need to have at least 20 work credits to your name in order to qualify for SSDI benefits. This amounts to five years worth of work. There are, however, some exceptions to this rule since workers can experience disabling conditions at young ages. The following is a break down of the number of work credits you need based on your age in order to qualify for SSDI benefits if you’re:

  • Under 24, you’ll need to have earned at least six work credits in the three years before the onset of your disability.
  • Between 24 and 30, you’ll need to have between eight and 18 work credits.
  • Between 31 and 42, you’ll need to have 20 work credits.
  • From 44 on, you’ll need two more work credits for every two years older you are.

Qualifying for Benefits Without Work Credits

Not having enough work credits to qualify for SSDI isn’t the end of the world. There are a number of exceptions that could allow you to be eligible as well as alternatives to SSDI benefits. The exceptions include:

  1. You don’t have enough work credits to qualify for SSDI, but you have a disability that’s been diagnosed as long-term or permanent. In this example you could still qualify for Supplemental Security Income (SSI). Unlike SSDI, SSI is a needs-based program. This means that you can qualify for SSI if you meet the household income and asset restrictions.
  2. Homemakers or stay-at-home parents my qualify for SSDI without work credits if they become disabled and their spouse passes away. For this example, the homemaker is not able to earn an income on their own due to their disability.
  3. You may also qualify if you are the widow or widower of a person who was employed and who earned work credits. In this instance you may be eligible for survivor benefits or for disabled widow/widower benefits.
  4. If you are a stay-at-home parent or a homemaker who has a previous work history, you could still be eligible as well. This is because SSDI premiums help to protect you against future disability.

Schedule a Free Consultation Today

Labor Day is a national holiday celebrating the American worker. Workers have had to fight long and hard to obtain the rights that they deserve over the years. Which is one of the reasons why the Social Security Administration was created.

For more information about work credits and whether you’ve earned enough to qualify for SSDI — or for assistance applying for SSDI benefits — be sure to contact Social Security Disability Advocates USA to set up a free consultation today. You can reach us 24 hours a day, seven days a week by calling us directly at 602-952-3200 or by using our online LiveChat feature.

This is attorney advertising. SSDA, LLC is a group of attorneys that pursues claims for Social Security Disability benefits on behalf of its clients against the Social Security Administration. SSDA, LLC is in no way a part of the Social Security Administration. Further, the information on this blog is for general information purposes only. Nothing herein should be taken as legal advice. This information is not intended to create, and receipt or viewing does not constitute, a representative-client relationship.

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