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Can a Stay-at-Home Mom Collect Social Security Disability?

Published by Anton Ficek

A father holds his infant child up beside his wife who sits in a wheelchair

Deciding to be a stay-at-home parent is a choice made for the benefit of the family’s well-being and financial stability. Nonetheless, for those who face injuries or medical disabilities, qualifying for Social Security Disability benefits as a stay-at-home parent can present challenges.

Advantages of Being a Stay-at-Home Mom or Dad

In some families, one parent’s income is sufficient to support everyone. This allows the other parent to remain with the children and care for them instead of working outside the home. Often, childcare can be so expensive that another paycheck would go entirely to the chosen provider. In many situations, it’s simply more economical for one parent to stay home.

Opting to stay home with the kids also offers rewarding experiences despite its challenges. Parents get to watch their children grow up, experience milestones, and develop a close and healthy bond.

When the Unexpected Occurs

If a stay-at-home parent becomes injured or sick, this can impact their ability to manage household chores and child rearing as they once did. Assistance may become necessary for tasks like taking kids to school, shopping for groceries, or housekeeping. It’s under these circumstances that many ask the question, “Can a stay-at-home mom collect Social Security Disability?”

How Non-Working Spouses Can Be Eligible for Social Security Disability Benefits

Referring to home-keeping parents as “non-working” doesn’t fairly capture their role. However, it’s the term used by the Social Security Administration (SSA) when defining their eligibility for disability payments. This makes it difficult for stay-at-home parents to qualify for disability benefits.

Social Security Disability Insurance (SSDI) for Disabled Stay-at-Home Parents

A stay-at-home mom or dad who has a work history may qualify for Social Security Disability Insurance (SSDI). They must have accumulated sufficient work credits through contributions made to the Social Security system, a prerequisite for benefits. This means a claimant must have worked recently enough and long enough to be eligible for SSDI.

Supplemental Security Income (SSI) for Disabled Stay-at-Home Parents

With one spouse earning enough to support the family, many stay-at-home parents may not qualify for SSI. This program is based on financial need. SSI benefits are specially awarded to disabled, blind, or aged individuals with limited income and resources.

Can You Qualify for Disability Benefits if Your Spouse Works?

If the earning spouse’s income alone supports the family, SSI may not be an option. However, SSDI remains a possibility for a disabled stay-at-home parent who has earned sufficient work credits, regardless of their spouse’s income level.

Contact Ficek Law, PC: A Dedicated Social Security Disability Lawyer in North Dakota

For stay-at-home parents in North Dakota struggling with disabilities and considering applying for benefits, support is available.

Disability Attorney Anton G. Ficek provides invaluable legal assistance to disabled individuals filing for benefits with the Social Security Administration. If you’re asking, “How can a stay-at-home mom get disability benefits?” we can help. From understanding qualifying conditions to building your case, we have the experience necessary to simplify the claims process.

Contact Ficek Law, PC today to schedule a free consultation. Seeking out our firm’s services can be a crucial step towards securing the support you and your family need.

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