[wonderwoman41]

I think it's important to work while the little ones are at school to earn the work credits. I'm 41 and I have worked for 25 years and have earned enough work credits through 2011. On my way to work on July 6, 2006, I was at a complete stop and waiting to take a left hand turn and BOOM a little old lady hit me from behind then knocked me into another lane and BOOM again. I got rear-ended and also hit in the front. It totaled my new SUV and I broke 4 vertebrae's in my cervical spine. It also messed up my hand, elbow and knee. All the doctor's said it was a miracle that I was alive. It changed my life forever. I lost my job, SUV and had to sell my house. I applied for disability and it took me 13 months and a good attorney to get approved. If it wasn't for the work credits I would never gotten the disability. I will get Medicare Part A that only covers the hospital and not your doctor appts. You have to pay for Medicare Part B and then a prescription Part D to cover all your meds. Lord knows that I have the meds now. My mom's best friend is really sick and can't get disability because she doesn't have enough work credits to get approved. If only she worked while her kids were in school. She could kick herself now. I hope this helps.