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Getting Disability Insurance for Stay-at-Home Parents

Published on August 24th, 2023

Did you know that stay-at-home parents can also get disability insurance? Social Security Disability Insurance (SSDI) provides financial help to people who can’t work due to a disability. Usually, you need to have a job to be eligible for this benefit.

Disability Insurance for Stay-at-Home Parents

There are special cases for stay-at-home parents, however. Learn how stay-at-home moms and dads may be eligible for Social Security disability benefits and what factors are important.

Work History

To get disability insurance, you usually need to have a work history where you paid Social Security taxes. But stay-at-home parents who haven’t worked outside the home might not meet this requirement. However, there is another way they can be eligible for disability insurance based on their spouse’s or ex-spouse’s work history.

Marital Status and Spousal Benefits

Stay-at-home parents can also qualify for Social Security disability benefits based on their spouse’s or ex-spouse’s work history. Even if they haven’t paid Social Security taxes themselves, they can still get benefits based on their partner’s earnings record.

Age and Disability Criteria

Disability insurance is given based on a person’s disability and their inability to do substantial work. Stay-at-home parents must meet the Social Security Administration’s (SSA) definition of disability. This means they must have a serious, long-lasting medical condition that keeps them from working for at least a year.

To prove their disability, stay-at-home parents should provide medical evidence and other documents from healthcare professionals. This evidence shows how severe their condition is and how it affects their ability to work. The Social Security Administration looks at all the medical records, treatment history, and future outlook to decide if someone is eligible.

Income and Resources

When deciding if someone can get disability insurance, the household income and resources of stay-at-home parents are considered. But the income of their spouse or ex-spouse is not counted for this purpose. Stay-at-home parents must ensure that their own income and assets are within the Social Security Administration’s limits.

A father with disability helping daughter studying at home

In summary, stay-at-home parents can qualify for disability insurance. If they meet the criteria for their disability and provide enough evidence, help could be on the way. Having a qualified Social Security disability attorney can greatly improve your chances of getting approved for benefits.

Contact the disability lawyers at Miller Disability Law, PC, to learn more about disability insurance for stay-at-home parents. The consultation is free, and we will help every step of the way.

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