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Social Security Disability Insurance – Income Limits

Obtaining Social Security Disability Insurance (SSDI) is a structured process with many requirements that must be met before benefits can be received.  One of the most critical requirements that must be met to receive benefits is the income limits that exist for applicants.

Meeting this threshold is key for any disabled American seeking to obtain financial assistance from SSDI.  Work Credits are a key metric that is used to determine financial eligibility for the SSDI program.  Work Credits are credits that are earned over time as one pays into the Social Security system.

An applicant must have obtained at least a specific amount of work credits to be eligible for SSDI.

The amount of work credits will depend on the age of the applicant.  If an applicant does not have the minimum amount of work credits than they will not be eligible for the SSDI program and would want to consider applying to the Supplemental Security Income (SSI) program for assistance.

There are no limits on the amount of assets or unearned income a person receives to be eligible for the SSDI program.  Even a person’s spouse’s income is not considered for the SSDI application.  However, the earned income by the individual applying for SSI must be below a defined threshold to be eligible for SSI benefits.  A person who earns more than the defined amount is not considered disabled according to SSI standards.