Social Security Disability Definitions
Social Security Disability and SSI Overview
The Requirements for Disability
Social Security Disability and SSI Applications
Tips and Advice for Disability Claims
How long does Disability take?
Common Mistakes after Receiving a Disability Denial
Disability Denials and Filing Appeals
Social Security Mental Disability Benefits
Disability Benefits offered through Social Security
Benefits through SSI disability
Disability Benefits for Children
Disability Qualifications and How to Qualify
Social Security Disability and Working
Winning your Disability Benefits
Social Security Back Pay and the disability award notice
Disability Lawyers and Hiring an Attorney
Social Security Disability SSI List of Conditions
What is considered a Disabling condition by Social Security?
Social Security Disability SSI and Medical Evidence
Filing for Disability Benefits
Eligibility for Disability Benefits
SSDRC authored by Tim Moore
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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: Social Security Disability Resource Center, or read answers to Questions
Information on the following topics can be found here: Social Security Disability Questions
Social Security Disability SSI decisions | The Disability Decision Process and What gets taken into Consideration | Getting Denied for Disability Benefits | Questions about Social Security Disability Approvals and Being Approved | Social Security Disability Hearings | Social Security Medical Examinations | Social Security SSI Doctors | Social Security Disability Representation | Social Security Disability SSI Reviews