I have had a couple conversations in the last few weeks with people who cannot work, but do not qualify for Social Security Disability. This is a very difficult concept to understand, and even more difficult to accept. As I have said before, there are two different kinds of Social Security Disability.
One is SSI, which is a needs-based program that requires minimal income and assets to qualify. The second is SSDI, which is essentially based off a claimant's recent work history. Where people find themselves in trouble is when they fall somewhere in the middle. For example, a person may not qualify for SSDI because they have not worked in over a decade, but they also do not qualify for SSI because they have too many assets. This leaves a claimant in a position where they are too disabled to work, but do not qualify for Social Security Disability.
This is obviously a very tough spot for someone to be in. The best way to avoid this is to apply for disability as soon as you need it; do not delay or your eligibility may run out. If you are denied, keep trying until you find success in the process. Contact a Social Security Disability attorney today to get the process started.