Another Julie and mother here! This is a good question. I only worked for 3 years before my first child was born, and according to those reports from SS you get every so often, I do not have enough "credits" to apply for disability either. I sure wish I could to help out my poor dh who works so hard and we are really just barely getting by. My aunt, who is a lawyer, said she does not know much about disability, but the only way to know for sure if you would qualify would be to contact a good lawyer who speicalizes in diabilty claims. I hope you can find some answers, and if you don't qualify for disablity the Lord will provide some other way!