What happens if you become disabled and are not insured for social security?

What happens if you become disabled and are not insured for social security?

If you have not worked much, or you have a child who has become disabled, you may not qualify for Social Security Disability benefits. However, even if you are an uninsured adult, or a child, you may still be able to qualify for disability benefits through the supplemental security disability program, or SSI as it is more commonly known.

SSI is a need-based disability program rather than an insured or earnings-based disability program. As such, there are non-medical requirements that address your income and resources.

Income of any kind could cause you to not eligible for SSI disability. Also, resources must be considered. Resources are things that can easily be converted to cash. If you have multiple vehicles, your highest valued vehicle will be excluded but all others would count toward the limit.

Any land or homes, other than your residencial home and the land it sits on will also be counted toward the limit.

Stocks, bonds, bank accounts, and other valuables count against the resource limit as well. Currently, single individuals are allowed to have $2000.00 in resources, while couples are allowed $3000.00.

If you meet the income and resource limits of the SSI disability program, you can file an SSI disability claim. If you are medically approved and qualify for disability you may receive benefits through this program even if you are not insured.

About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.

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