your chances of becoming disabled are probably greater than you realize but dont think of as something that might happen to you.
What happens if I go back to work?
SS planner can provide valuable help with these question.
Another concern is how much work I would need. Do I get my four credits if I make $5,440 for the year?
Yes, you have earned our four credits when you make $5,440 for the year.
What publications are there for me to look at?
You can read Disability Benefits, Disability Starter Kits, and If You Are Blind or Have Low Vision How We Can Help.
What are some special situations?
Most people who receive disability benefits are workers who qualify on their own records and meet the work and disability requirements we have described.  However there are special situations you may not know about.
What happens when adults are disabled before age 22?