Getting Social Security With No Work History

SSDI With No Work History

Social Security Disability Insurance, or SSDI, is reserved for people who have worked and paid into Social Security for at least one quarter of each of the last 10 years. This can be quite problematic for those facing disability without having a work history.

Perhaps you’re a stay-at-home mother who left the workforce to raise your children, or you’re a young adult who sustained debilitating injuries very early into your working career. Whatever the case may be, a lack of work history that proves a person paid into Social Security presents an enormous roadblock on the path to receiving benefits.

Social Security Options for Those Without a Work History

Fortunately, our government has made provisions for people who lack sufficient work history to qualify for SSDI but are still in dire financial need due to disability. Notice the word dire —while you do have options, the requirements are incredibly rigid.

Supplemental Security Income or SSI, is the provision for the disabled without a work history. Because SSI is a needs-based program, its payouts are typically much lower than what a person might receive had they paid into Social Security via a job. It should be noted that SSI and Social Security are two distinct and separate programs. It should also be noted that it is very difficult for a non-citizen to qualify for benefits, although it is not entirely impossible.

Qualifying for SSI

In many states, the financial requirements for SSI eligibility are the same or very similar to the requirements for state welfare programs such as TANF. In order to qualify for SSI, a person must not have more than $2,000 in assets in addition to having no or extremely low income. In some cases, a person’s home and car is exempt from inclusion in total assets.

SSI typically requires applicants to also apply for any other financial support programs they qualify for. This may include TANF, EBT benefits, pensions, and others. You may be required to apply for Social Security Disability, even if you’re almost certain you won’t qualify.

SSI also requires that you prove you’re truly disabled and unable to perform any type of work you might otherwise be qualified for. This will require careful documentation and presentation of medical records, as well as a evidence from your physician.

Qualifying for SSI is an incredibly complex process, but one that is worth going through for those who are truly in need of the assistance. SSI benefits will not make you rich, but they can help ease the financial burden of life with a disability. For legal help, contact the law office of Lisa M. Ritacco to schedule a free consultation about your case.