Overview of Disability

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Disability Requirements

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How long do cases take?

How to win Disability

SSD Mistakes to avoid

Disability for Mental

What if you get denied?

How to file Appeals

Disability through SSA

SSI Disability Benefits

Disability for Children

How do I qualify for it?

Working and Disability

Disability Award Notice

Disability Lawyer Q&A

Disability Conditions List

What is a disability?

Your Medical Evidence

Filing for your Disability

Disability Eligibility

SSD SSI Definitions

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SSDRC Disability Blog

What Are the Social Security Disability Requirements For Personal Assets?

Many disability applicants become confused as to the non-disability requirements of SSD, or 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 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.

Additional information:

What are the Assets that count for SSI Disability?

Return to:  Social Security Disability Resource Center, or read answers to Questions

Related pages:

Who qualifies for disability? - Qualifying is based on evidence of functional limitations
The Social Security Disability Approval Process and the Criteria for Decisions
How does Social Security Disability decide that you cannot work?
How do you Win Benefits under Social Security Disability or SSI?
Medical Disability Requirements for SSD and SSI
The non-medical Disability Requirements for SSD and SSI
SSA Medical Exam and your own Physician

Information on the following topics can be found here: Social Security Disability Questions and in these subsections:

Frequently asked questions about getting Denied for Disability Benefits | FAQ on Disability Claim Representation | Info about Social Security Disability Approvals and Being Approved | FAQ on Social Security Disability SSI decisions | The SSD SSI Decision Process and what gets taken into consideration | Disability hearings before Judges | Medical exams for disability claims | Applying for Disability in various states | Selecting and hiring Disability Lawyers | Applying for Disability in North Carolina | Recent articles and answers to questions about SSD and SSI

These pages answer some of the most basic questions for individuals who are considering filing a claim.

Filing for disability - How to file for SSD or SSI and the Information that is needed by Social Security
How to Apply for Disability - What medical conditions can you apply and qualify for?
Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?
What happens if I file a disability application and it is denied by a disability examiner or Judge?
How to Prove you are disabled and qualify to win disability benefits
How do you prove your disability case if you have a mental condition or impairment?
Social Security Disability Back pay and How Long it Takes to Qualify for it and receive it