If you need disability assistance in Missouri but have not worked for at least five years, you may worry that you have no options. However, opportunities are available.
It is important to understand the legal processes and requirements to apply and qualify for Supplemental Security Income or Social Security Disability Insurance.
SSI benefits
Applying for supplemental income is a potential path if you have a limited work history. SSI provides financial support to individuals aged 65 or older. It is also available to adults and children with little or no income and assets who are blind or disabled. Your work history does not affect this option. SSI benefits are available to anyone with earnings and resources below a certain threshold.
SSDI options
While SSDI typically requires a minimum of five years of work history, you may still be eligible if you earned enough work credits. Social Security has complex rules to calculate these credits, considering the following:
- Number of years worked
- Income earned
- Age when your disability begins
The program provides general guidelines to assess eligibility. However, individual circumstances vary. A thorough knowledge of the laws helps you present your unique circumstances.
Compassionate allowances
For those facing severe medical conditions, the Compassionate Allowances program offers expedited processing of your disability claim. This program recognizes specific medical conditions that automatically qualify you for benefits. It can minimize the time it takes to receive assistance. Check the Social Security Administration’s CAL list to see if your condition qualifies.
Navigating the Social Security system without a substantial work history can be challenging. An annual report shows that 44% of SSDI applicants received technical denials in 2020. You must understand the available programs that align with your unique circumstances and make informed decisions to obtain financial assistance.
