MY SPOUSE WORKS: CAN I STILL GET DISABILITY PAY?

The most common type of disability with Social Security is SSDI (also called "Title 2"). It is based on your past work history and the amount of FICA tax you paid by payroll deduction. It imposes no means test, income limitations or restrictions on your household finances. So, a spouse's work has nothing to do with your SSDI claim. Your bank account has no influence.

SSI (Supplemental Security Income) is quite a different matter. This is a program for elderly or disabled individuals who need the small SSI stipend to meet the basic necessities of life. It requires very limited household resources. Therefore, a spouse's income will affect qualification for SSI.

The disability requirements for SSDI and SSI are the same. But in addition to proving disability, an SSI claimant must also prove financial hardship.

If you have worked at least 5 out of the past 10 years, you will probably file for SSDI based on your work history. Therefore, a spouse's work or income is not considered.