There is a common question when it comes to Social Security Disability benefits: who qualifies? There are more factors and the past working experience is one of them. Social Security Disability benefits are given by some credits. These credits depend on your annual wages, as well as your self employment money. You cannot earn more than four credits on a yearly basis. Each credit is worth a particular amount of money, which changes with every new year. The number of credits for benefits might vary, but your normally need at least 40 credits, while 20 of them must be earned within the past decade only.