If you have assets, you probably won’t get SSD. I believe you have to basically be destitute to qualify.
Good luck, if you need it I hope you get it. I have a couple disorders which may qualify me for it, but my preference is to continue to work and try to build the stash.
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We do have assets, 401ks and our house.
SSI is the one with SS that requires an income test. With SSD you had to have paid into it for so many years in order to get pay outs.
I've worked since I was 16, up until I was 34. So I have all of my credits in order to qualify for SSD.
you are correct. As I understand it, SSDI is independent of any assets you already have. Unlike SSI which limits your assets to $2,000/$3,000. You you "earn" SSDI by accruing credits by working-up to 4 credits a year (much like many here are earning social security retirement benefits by working).
A financial limitation with SSDI is that in general you are limited in your ability to actively earn money. SGA is $1180 per month in 2018; earning more than that (with two important exceptions) can cause your SSDI to stop abruptly. The other $ figure is $720 a month (I think it is) which is the trigger amount for a month to "count". I know when you're not working these figures don't matter but they are good to have a handle on. Let me know if you're interested and I can find some links I found helpful.
Passive income is not included in SGA and would not affect SSDI payments.
You may have to pay taxes on your SSDI, so worth reading up on that.
Good luck to you getting SSDI and ,moreover, having increasing numbers of "good days".
Have you read NOLO's book on SSDI. So much information on how to file and appeal.