Can Stay-at-Home Parents Qualify for Social Security Disability Benefits?

Attorney Sheri R. Abrams answers the question, “Can Stay-at-Home Parents Qualify for Social Security Disability Benefits?”


Social Security Disability Insurance (SSDI) provides income for those who are no longer able to work due to an injury or illness.  In order to be eligible for SSDI, you must have earned enough “work credits” which are tied to the taxes that come out of your paycheck.  Since stay-at-home parents do not receive a traditional pay check for their hard work, that means they are not eligible for SSDI.

So, what happens if a stay-at-home mom or dad becomes disabled? Luckily, there still may be help available.

Although stay-at home parents are not eligible for SSDI, they might be able to qualify for Supplemental Security Income (SSI). This supplemental income is provided through a monthly check to those who are deemed disabled. To qualify, you must be medically disabled and meet certain financial qualifications which are described below.

Medical Requirements

To qualify for SSI, your medical condition must be so severe that it prevents you from being able to perform work activities. The Social Security Administration calls this Substantial Gainful Activity (SGA).  With some exceptions, SGA is an activity that generates a monthly income.

Financial Requirements

To qualify for SSI, you must meet low income and asset limits established by the Social Security Administration. You cannot have assets worth more than $2,000 as an individual or $3,000 as a family. Some assets are excluded however, such as your home or your primary vehicle.  Determining what income and assets are “countable” for SSI purposes can be very complicated.

Qualifying for any kind of Social Security Disability benefit is overwhelming for people (and some lawyers!) who have no experience. If you need to speak to a qualified Social Security Disability lawyer, contact The Law Office at Sheri R. Abrams at (571) 328-5795 to schedule an appointment.