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Social Security Advisor


DISCLAIMER - THIS WEBSITE IS NOT ENDORSED BY OR AFFILIATED WITH THE U.S. SOCIAL SECURITY ADMINISTRATION , OR ANY GOVERNMENTAL ENTITY.

Social Security AnswersCarol Thomas has recently retired from the Social Security Administration after 28 years service. If you have any questions about Social Security, please ask. We will use the questions you send for future posts. I will never post anyone's name, or other identifiable information.

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Questions about SSDI and SSI denials
Date Add : 09-08-2009 

Views : 96

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1. My wife did not qualify for disability benefits because she has not worked long enough under social security. My question is how can a person like my wife who is mentally and emotionally disabled and unable to work ever qualify? Because she does not have enough credits they will not even make a decision about whether she is disabled under Social Security rules, yet her disabilities are listed as qualifiers under their own rules as being disabled and her medical records will prove it?

2. SSI was denied to her even though she has no personal assets, the denial was based on my assets. In other words she is being penalized because she cannot work (no SSDI) and is married (no SSI).

The local Social Security staff only states why she didn't qualify and will not answer these two questions. Where do I now go to get benefits for my wife's disabilities?


Support Replied ~ 06-03-2009 19:15:45

Dear Gary:
Unfortunately you are in a rough situation. There are two types of SS disability.
One is based on your earnings, the "premium" so to speak being paid by your fica taxes. Since your wife did not pay the premiums, she cannot get the insurance.
Its like your house burning down and you never had fire insurance.

SSI is a needs based welfare kind of disability. It is not an entitlement program like SSDI. Your assets are considered her assets. You would not expect a millionaires wife to be on welfare because she has none of his money in her name. She still gets the benefit of her husbands windfall. I dont know why SS did not answer your questions to these two issues. It is pretty black and white. Your wife was inelligible because she is living with you as her husband. If she was seperated, she probably would be eligible.

The only kind of disability insurance that she could get would be private insurance.
I am not sure if she could get it since she is already disabled. If you have any further questions, be sure to write.....Carol



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DISCLAIMER - You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".

"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.

Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.


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Thank you so much for your help. It has been a godsend. The information you gave me was priceless. Keep up the good work.
Michael - 9/23/09 


You are a wonderful person, Carol. And many will benifit from your site. You make it all seem so simple. Thank you again, and may God bless you.
Lee G - 8/19/09 


Thank you very much
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Thank You...I think what your doing to help is wonderful.. Thank you again and God Bless
Danny H - 7/10/09 


Carol, thank you so very much for this info. I have really searched many sources without a straight answer such as yours is. This is an invaluable service you do and I appreciate it so much! The speed with which you answered shows true human concern. Keep up the good work, and best of luck!
Linda H - 6/17/09


Thank you for your rapid response to my social security question...we need running for goverment office perhaps even state represenitive; you certainly would have my vote!!!!! Again Thank You !
Roberta H - 6/12/09 


Thank you Carol for your wonderful service. I think it is a great way to get advice!
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What a maarvelous service you provide. I have shared you website with people at work.
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What a maarvelous service you provide. I have shared you website with people at work.
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Carol was genuinely concerned and it showed....Carol is a real gem!!
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Thank you so much, you cannot believe how helpful this information is to me it will help me when I talk to the SS agent. Read More


Thank you so very much for your reply!
Some of this is confusing...and it seems when you ask someone at S.S. you get a different answer than the next person.
I appreciate your answer.
Mrs. Gibson - 10/24/08
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