What does it mean to run out of work credits? I thought during the process you had to work a certain number of work credit hours in order to qualify for anything. For me this time thing was cut right down to the last six months of my work record, and I had to prove "two" of the final ones. I was a home artist, and sold work. Had to get the last bit of proof as claiming "time" for work at home is difficult. Went by how much I made at the end. I also thought all decisions were given in mail form, not by phone at all. I have alot to learn about getting benefits and the in's and outs, I am curious. ginnie