Does anyone know how you can find out how many Social Security "credits" you have, and how many were earned in each year? I got one of those "Your Personal Earnings and Benefit Estimate Statement(s)" which provides a history of your earnings and estimated retirement benefits and disability benefits. It adds, " ... If you become disabled right now, you need 29 credits to qualify for disability payments. You had to earn 20 of these credits in the last 10 years. Your record shows that you have earned enough credits within the right time." I haven't paid any meaningful social security taxes since 12/31/95, however. How can I figure how long I have before I will not have earned the 20 credits within the last 10 years? This report is date 1/4/97. There is no ability to ask the SSA questions on their web site, www.ssa.gov, and I understand calling them is useless. The part-time work I do now pays more than the SSDI payment would be, but I would hate to shoot myself in the foot long term. Thanks. Bruce A (51,3)