SSDRC authored by Tim Moore
Social Security Disability and SSI Questions and Answers
What is the Application Process for Social Security Disability and SSI?
How do you Win Benefits under Social Security Disability or SSI?
If I am determined disabled, how far back will Social Security pay benefits?
How do you prove your disability case if you have a mental condition?
What Can I Do to Improve My Chances of Winning Disability Benefits
Common Mistakes after Receiving a Denial of Social Security Disability or SSI Benefits
How to File for Disability - Tips for Filing
If You Get Approved For SSDI Will You Also Get Medicare?
How much does a Social Security disability attorney get paid?
Social Security Disability SSI Criteria and the Evaluation Process
How long does it take to be approved for SSI or Social Security disability?
What do you Need to Prove to Qualify for Disability Benefits?
Social Security Disability SSI and Fibromyalgia
Social Security Disability SSI and Degenerative Disc Disease
Can I Qualify For Disability and Receive Benefits based on Depression?
More questions about SSD and SSI
What Disabilities Qualify for SSI and Social Security Disability Benefits?
Social Security Disability Status
Social Security Disability Tips — how a claim gets worked on
Social Security Disability, SSI Disability - Terms, Definitions, Concepts
What Are the Social Security Disability Requirements For Personal Assets?
How to prove you are disabled
and win disability benefits
Many disability applicants become confused as to the non-disability requirements of Social Security Disability. This is because the social security administration operates two separate disability programs. One is SSD, or social security disability; the other is SSI, also known as supplemental security income. It is also because, of the two disability programs, the need-based SSI disability program's requirements are best known to the public.
That is to say, many people know that SSI has income and resource limits that may make an applicant ineligible to receive disability benefits. Personal assets would be considered when making a resource determination for this program and might include vehicles, land, cash, trust funds, stocks, rental houses, antiques, or even jewelry.
Any asset that can readily be turned into cash is considered in an SSI resource determination. Naturally, if an individual is over the resource limit, they are not eligible for this need-based program.
So what do personal assets have to do with the requirements of the Social Security disability program? Absolutely nothing.
Social Security disability has non-disability requirements, but they are not about income (other than wages) or assets (resources). Disability applicants must be insured to meet the non-disability requirements of the Social Security disability program. Insured status is earned through work activity. Each year a person can earn four work credits or quarters of coverage toward insured status for Social Security disability.
Being insured for Social Security disability is a two-pronged process that includes being "fully insured" and "disability insured". To be fully insured, an individual must have one quarter of coverage for every year after the year of their twenty-first birthday up to the year they became disabled.
If the disability applicant meets the fully insured requirements of the Social Security disability program, they still have to meet the disability insured requirement. To be disability insured, the disability applicant must have worked five out of the ten years prior to becoming disabled. Of course, special rules are in place for younger individuals under the age of thirty-one who have not worked that long.
What does all of this mean? That there is no need for an individual to be worried about filing for Social Security disability if they have assets, because there are no resource limits for the Social Security disability program. In other words, SSD is not at all concerned with how much you have in assets. SSD does not even look at assets. SSI, on the other hand, has an asset limit of $2000.
What are the Assets that count for SSI Disability?
Return to: SSDRC, or the Social Security Disability Questions page