The ground acceleration measured at a point on the earth's surface is composed of several waves that have different phase velocities, arrival times, amplitudes, and frequency contents. For instance, body waves contain primary and secondary waves that have high frequency content and reach the site first. Surface waves are composed of Rayleigh and Love waves that have lower phase velocity, lower frequency content and reach the site next. Some of these waves could be of more damage to the structure depending on their frequency content and associated amplitude. This paper models critical earthquake loads for single-degree-of-freedom (SDOF) inelastic structures considering evolution of the seismic waves in time and frequency. The ground acceleration is represented as combination of seismic waves with different characteristics. Each seismic wave represents the energy of the ground motion in certain frequency band and time interval. The amplitudes and phase angles of these waves are optimized to produce the highest damage in the structure subject to explicit constraints on the energy and the peak ground acceleration and implicit constraints on the frequency content and the arrival time of the seismic waves. The material nonlinearity is modeled using bilinear inelastic law. The study explores also the influence of the properties of the seismic waves on the energy demand and damage state of the structure. Numerical illustrations on modeling critical earthquake excitations for one-storey inelastic frame structures are provided.