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How Can a Stay-At-Home Mom Collect Social Security Disability?

Published by Peter Antonowicz

Mother in wheelchair expresses excitement with her son over good news on the computer on receiving disability benefits

Social Security Disability Insurance (SSDI) provides financial assistance to individuals who are unable to work due to a disabling condition. SSDI eligibility is typically associated with working individuals. Stay-at-home parents may also qualify for benefits under certain circumstances. This blog explores how stay-at-home parents may be eligible for SSDI and the factors that contribute to their qualification.

Work History

One of the primary requirements for SSDI is a work history in which you have paid enough Social Security taxes. However, stay-at-home parents who have never worked outside the home may not meet this requirement. If they meet certain criteria, they may be eligible for SSDI through their spouse’s or former spouse’s “insured status.”

Marital Status and Spousal Benefits

Stay-at-home parents may also be eligible for SSDI benefits based on the work history of their spouse or ex-spouse. Even if they have not paid Social Security taxes, spouses are entitled to benefits based on their partner’s earnings record.

Age and Disability Criteria

SSDI is awarded primarily on the basis of a person’s disability and inability to have substantial gainful activity (SGA). Stay-at-home parents must meet the Social Security Administration’s definition of disability. The applicant must have a serious and long-term medical condition that prevents them from working for at least 12 months.

It’s crucial to include medical evidence and other documentation from healthcare professionals. This supporting evidence is an important part of showing the severity and impact of your disability. The Social Security Administration evaluates all your medical records, treatment history, and projected outlook to assess your disability.

Income and Resources

The income and resources of stay-at-home parents are taken into account when determining SSDI eligibility. However, the income of the spouse or ex-spouse is not considered for this purpose. Stay-at-home parents should make sure that their personal income and assets are within the Social Security Administration’s set limits.

Dad and daughter snuggle on the sofa while reading a book due to disability benefits

In sum, stay-at-home parents can be eligible for Social Security disability benefits. If you meet the criteria for your disability and can provide sufficient evidence, help may be just around the corner. Having the legal support of a qualified Social Security lawyer will also greatly improve your chances of getting approved for benefits.

To learn more about Social Security disability for stay-at-home parents, reach out to the Antonowicz Group. Contact us online or call (315) 337-4008 to schedule your free consultation today. Our compassionate, experienced disability attorneys are here to help.

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