Does Social Security Disability look at your financial resources?

Social Security Disability is based on a medical determination of being disabled and on a person having paid into the system in order to achieve insured status. Financial resources do not really have anything to do with it. SSD does not look at a person's assets.

SSI does, however, because it is need-based and the asset limit for an individual is $2000. Both SSD and SSI are subject to earned income limitations. That limit is known as the SGA limit. That is the gross earnings amount a person cannot make and still be eligible for SSD benefits. Their reasoning is that if you can make this much you do not have functional limitations that make you disabled.

Here is the current SGA amount.

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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