Q Will my wife’s income affect my SS disability claim?
No, because Social Security (SS) Disability is not based on income, so your wife's income will not be considered by the Social Security Administration (SSA) when reviewing your claim. Instead, the SSA will determine your eligibility for SS benefits based on the severity of your disability, its expected duration, and whether it prevents you from holding a job and engaging in substantial gainful activity (SGA). So, if your medical condition has rendered you totally disabled and unable to work for a period of 12 consecutive months or more, you may qualify for SS benefits, even if your wife continues to work and make a good income.
However, this is not the case when applying for Supplemental Security Income (SSI) benefits. Because SSI is a needs-based program for disabled individuals with low income, a wife's income is used when determining eligibility. If you were applying for SSI and your wife's income exceeded a certain amount, the SSA would consider a portion of that income available to you.
Do You Need Help Applying for SS?
Applying for SS benefits can be tricky for those who are unfamiliar with the SSA's application process—particularly if you're applying for a condition that's not included in the “Blue Book” Listing of Impairments. Even a minor mistake can cause frustrating delays or application denials that require you to wait even longer for the financial benefits you so desperately need. A seasoned team of knowledgeable disability attorneys can help make sure that your application is complete and ready to go before you send it in. And in the event that your claim is denied, your legal representative can go to work to help overturn that decision. Contact the skilled attorneys at Keefe Disability Law today for a free evaluation of your SS claim, or request a free copy of our book, The Five Most Frequently Asked Questions About Social Security Disability.