Overview of Disability

Disability Back Pay

Disability Requirements

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Disability Advice Tips

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

Social Security Disability - Do assets count?

When it comes to non-medical eligibility criteria for SSDI, otherwise known as social security disability insurance, assets are not an issue at all. The reasoning behind this is fairly clear. Social security disability benefits are considered by the federal government to be a form of social insurance. And like insurance, the SSD program incorporates a number of features used by insurance plans.

For instance, just like private disability insurance, the availability of social security disability benefits is based on insured status. How do you become insured for SSD? By working and earning a sufficient number of work credits over several years time. Also, like private disability insurance, SSD also has the equivalent of an elimination period. Only with SSD, this period (during which a person who has been approved for disability is not eligible to receive benefits) is called the "five month waiting period".

What happens if you become disabled and are not insured for social security disability benefits? You apply for SSI. SSI stands for supplemental security income and through this program (labeled title 16 of the social security act) an individual may apply for and potentially be award disability benefits.

Are assets an issue when it comes to determining eligibility for SSI disability? Yes. And the reasoning behind this is also clear. SSI is a need-based program. And as a need-based program, individuals with substantial assets are not eligible to receive benefits (disability or otherwise) under the program.

How much can you have in assets and still be eligible to receive SSI disability? Currently, the asset limit for SSI is two thousand dollars in countable assets. What are countable assets? Generally, the kinds of assets that are not countable are the home you live in, the vehicle you use for primary transportation, irrevocable trusts, a burial plot for yourself, and checking account balances that are used to pay bills.

Assets that would be countable, on the other hand, include excess real property, the fair market value of vehicles other than your primary vehicle, balances in savings accounts, excess burial plots, and revocable trusts. This, of course, is not a complete list of countable assets, but it does illustrate the nature of what the social security administration may count against you if you are filing for SSI disability benefits.


1. What Are Countable Assets For Social Security Disability and SSI?
2. What are the Assets that count for SSI Disability?

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

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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 provide answers to basic questions about pursuing disability benefits

How to check the status of my Social Security disability claim
To qualify for disability, what to prove
Preparation to win a disability hearing
Social Security Disability lawyers FAQ
How Much Income Can you Earn If you draw Social Security Disability?
What does Social Security Disability SSI pay, how much?
Social Security Disability Maximum back pay
Social Security Disability Claims and Medical Exams
What is qualifying for disability benefits based on?
Partial Social Security Disability SSI benefits
Filing for disability and financial help
Getting approved after a Social Security Disability Psychological exam
How long does it take to receive disability benefits after you are approved?
Does Social Security Disability Come With Medicaid Benefits?
Applying for Disability or SSI - How long does it take
Can you work if you get Social Security Disability?
Am I eligible to receive disability benefits?
What medical disabilities, conditions qualify for Disability Benefits?
How to get disability for degenerative disc disease
What mental problems qualify for disability?
Conditions that get approved for disability