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In this situation, you will have to set up an appointment with the office of the Social Security Administration. Upon the processing of your application, the Social Security office will then determine if you are eligible for the Medicare program. What does it mean if you are short one credit for disability insurance? One of the requirements for being eligible for Social security disability Insurance benefits is that you should have received a certain number of credits for the work you have done during a specific period and you should have earned a specified amount during the ten years prior to your disability. Credits are earned every quarter of the calendar year. The Social Security Administration requires applicants to earn a specific amount in the course of a quarter.