Am I eligible for Social Security Disability benefits if I’ve never worked?

People who have never worked may still be eligible for certain Social Security benefits, primarily through the Supplemental Security Income (SSI) program. SSI is a federal assistance program designed to provide financial aid to people who are over 65, blind, or disabled and have limited income and resources.

Understanding Supplemental Security Income (SSI)

SSI is distinct from Social Security Disability Insurance (SSDI), which requires recipients to have a work history with sufficient contributions to Social Security taxes. In contrast, SSI does not require any prior work history, making it accessible to individuals who have never been employed.

Eligibility Criteria:

To qualify for SSI, applicants must meet specific criteria:

Age, Blindness, or Disability

• Age: Applicants must be 65 or older.
• Blind: Individuals with vision of 20/200 or worse, even with corrective lenses.
• Disabled: Individuals with a medical condition that significantly limits their ability to work and is expected to last at least 12 months or result in death.

Financial Limitations

• Income Limits: SSI is available for people who earn less than $2,019 a month from work. The income limit increases for couples or when parents apply for children. Any income will be taken into account.
• Resource Limits: Applicants must not exceed $2,000 in countable resources (money in the bank, vehicles you own, etc.) ($3,000 for couples). Exclusions include personal property, a primary home, and one vehicle.

SSI For People with Terminal Illnesses

Individuals diagnosed with terminal illnesses, such as advanced-stage cancer, may qualify for SSI benefits even if they have never worked. The SSA has provisions to expedite applications for individuals with severe medical conditions. Additionally, if the illness is expected to prevent work for at least 12 months or result in death, the individual may qualify for SSDI benefits, provided they have sufficient work credits.

Role of SSI Attorneys

Due to the stringent criteria, consulting with an experienced SSI attorney can be highly beneficial. A lawyer provides expert guidance by helping applicants navigate the complex application process and ensuring all necessary documentation is properly submitted. If an application is denied, an attorney can assist in the appeals process, significantly increasing the chances of approval. Additionally, professional legal assistance offers peace of mind, reduces stress, and provides confidence that the application is handled correctly.

Securing Benefits Without a Work History

While a lack of work history disqualifies individuals from SSDI, it does not preclude them from receiving SSI benefits. SSI provides essential financial assistance to those who are aged, blind, or disabled and have limited income and resources. Individuals facing terminal illnesses like advanced-stage cancer should explore SSI eligibility and consider consulting with an experienced SSI lawyer to navigate the application process effectively.