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Will Husband's Income Affect Disability Claim?


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7 replies to this topic

#1 beek

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Posted 24 May 2009 - 08:47 PM

Since I cannot hold down a job due to my MI, I want to apply for benefits. Being that my husband earns a decent wage, will I be denied benefits?

I worked for over 15 years on the books and have paid into the system.

Thanks.
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#2 Maddy

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Posted 24 May 2009 - 10:20 PM

What are you applying for? SSI or SSDI? I don't know anything about SSI, so someone else will need to explain more about that. Here's a link:

http://www.ssa.gov/ssi/

I do know that when it comes to SSDI, it doesn't matter what your husband's income is as long as you have enough work credits [or quarters or something] sorry can't remember. Here's a link to the SSDI information:

http://www.ssa.gov/disability/

Hope that helps.
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#3 Tryn

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Posted 25 May 2009 - 01:11 AM

The short answer is yes, for SSI they include all family income and assets.

The longer answer is that if you've been working steady for the last several years you'll qualify for SSDI which goes by your previously earned income.
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#4 beek

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Posted 25 May 2009 - 10:08 AM

Ok, yes. SSDI is what I will be applying for.

Thanks!
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#5 Anna

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Posted 25 May 2009 - 10:27 AM

Ok, yes. SSDI is what I will be applying for.

Thanks!


SSDI is not based on income at all, it is solely based on work credits. So if you worked for 15 years, you will qualify for SSDI. The amount of money you get will be based on what your income was, averaged over 15 years. In other words, the higher your salary was, the higher your benefit will be.

If you have any children under the age of 18 at home, they will also qualify for SSDI income, so make sure that you put in an application for them, too.

My benefit and my son's included ended up being like $1800 a month.

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#6 Jerod Poore

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Posted 25 May 2009 - 12:07 PM

See also the pages we have on applying for SSDI / SSI and the topics Q&a On The Ssdi Approval Process and Some Basic Medicare / Ssdi Questions
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#7 Tryn

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Posted 25 May 2009 - 01:51 PM

Yes SSDI is based on your work credits but you must have earned a certain amount of those work credits within the past 10 years.



Which now that I think about it, really isn't cool. I had/have enough work credits but I didn't have enough credits from within the last ten years when I was applying so they didn't count. If they would have counted I would have been getting more than what I'm getting on SSI. So really I got penalized for being too ill to work. hmmm, never really thought of it that way. Oh well, at least I'm getting something!

Edited by girrl88, 25 May 2009 - 01:52 PM.

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#8 dymphna

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Posted 26 May 2009 - 01:45 PM

Yes SSDI is based on your work credits but you must have earned a certain amount of those work credits within the past 10 years.



Which now that I think about it, really isn't cool. I had/have enough work credits but I didn't have enough credits from within the last ten years when I was applying so they didn't count. If they would have counted I would have been getting more than what I'm getting on SSI. So really I got penalized for being too ill to work. hmmm, never really thought of it that way. Oh well, at least I'm getting something!


Yes, this pissed me off. The last social security statement I received said "well, you have all of these quarters, but guess what? None of them count because you decided to raise your child yourself instead of turning him over to the state." Um, ok. I guess I shouldn't have bothered starting to work at 14...


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