In most situations to obtain Social Security Disability benefits it is necessary that you have 40 credits (quarters) of coverage under the social security system prior to the time that you are unable to work. The amount of earnings needed per quarter for a credit in 2015 is $1,220.00. This amount changes from year to year as average wages increase. If you stop working, it is very important that you make sure you apply for disability benefits as soon as possible after you stop working. A longer wait can create additional challenges to ultimately receiving the assistance to which you are entitled.