What are the income and asset limits to qualify for Social Security Disability Payments?
Navigating the Social Security Disability system can feel overwhelming, especially when it comes to understanding income and asset limits. These limits play a crucial role in determining your eligibility for benefits, whether you’re applying for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Knowing the rules can save time and prevent unnecessary denials, ensuring you get the support you deserve.
Income Limits for SSDI and SSI
For SSDI, the Social Security Administration (SSA) sets an income threshold called Substantial Gainful Activity (SGA). In 2025, this amount is $1,620 per month for non-blind individuals and $2,700 per month for blind individuals. If your earnings exceed this amount, you may no longer qualify as disabled under SSDI rules. However, there are exceptions, such as trial work periods, which allow you to test your ability to work without losing benefits.
SSI operates under stricter income limits since it’s a need-based program. Both earned and unearned income, such as wages or pensions, are considered. The general income exclusion allows the first $20 of unearned income and the first $65 of earned income to be disregarded. After these exclusions, half of the remaining earned income is also excluded.
Example:
If a person works and earns $400 per month:
- Subtract $65 (earned income exclusion): $400 – $65 = $335.
- Apply the 50% exclusion: $335 ÷ 2 = $167.50.
- Only $167.50 will count as income to reduce the SSI benefits.
These calculations can be complex, making it vital to understand how all sources of income impact your benefits. If you have any questions about how your income is calculated, you can call the lawyers at Casa de la Justicia for free at 1800 840 4040.
Asset Limits for SSI
SSI has stringent asset limits because it is designed to assist individuals with minimal financial resources. The current resource limit is $2,000 for individuals and $3,000 for couples. Resources include things like cash, bank accounts, and investments. However, not all assets count against this limit. For example, your primary home, one vehicle used for transportation, and some personal effects are excluded.
An important aspect to consider is the use of an ABLE account (Achieving a Better Life Experience). These accounts are financial tools specifically designed for individuals with disabilities. The money saved in an ABLE account is not considered a countable resource for SSI eligibility, as long as the balance does not exceed $100,000. You can use the funds in this account to cover disability-related expenses, such as housing, education, transportation, and medical care. This means that ABLE accounts allow you to save money without jeopardizing your eligibility for SSI.
Understanding which assets are countable versus exempt is critical. The SSA carefully reviews your financial situation, and even small errors can lead to delays or denials. Knowing what to disclose and how to organize your finances can make a significant difference.
Why Legal Assistance is Essential
Applying for disability benefits involves more than just filling out forms. Missteps in reporting income or assets can result in rejection, even if you otherwise qualify. This is where expert legal help becomes invaluable. The attorneys at Casa de la Justicia specialize in guiding individuals through the complexities of SSDI and SSI applications. Our team ensures that your income and assets are properly documented and presented to the SSA.
The attorneys at Casa de la Justicia offer free consultations to evaluate your case and provide personalized guidance. Our experience in disability law means you don’t have to navigate this challenging process alone. Let us handle the details while you focus on what matters most—your health and well-being.
CONCLUSION
Income and asset limits are critical factors in determining your eligibility for SSDI and SSI benefits. By understanding the rules and exclusions, you can better position yourself for success. If you’re feeling uncertain or overwhelmed, remember that the attorneys at Casa de la Justicia are here to help. Contact us today for a free consultation and let us guide you through every step of the process, with no cost out of your pocket, at 1 800 840 4040.
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