Moms have the ability to do it all it seems. They cook, clean, raise families, and in sometimes play the role of both parents when the other isn’t present. She does so much that goes unnoticed, and while you’re thankful for everything she does, have you ever really thought about the type of life you would be living if Mom weren’t doing as much as she does? Sometimes the unthinkable can happen and a person whose job was being a homemaker becomes disabled, they may find themselves ineligible for any kind of disability benefits that a normal working citizen could have. Since homemakers may lack the employment history need to qualify for SSDI, or Social Security Disability Insurance, we at SMA Services Inc. believe that just because you don’t have a certain work history means you shouldn’t be qualified for the help you deserve.
In addition to having medical disability, the SSDI program makes it a requirement that the insurer has a substantial work history with an employer that paid taxes to the Social Security Administration. Although, in some cases, if you stayed home for only a short time before becoming disabled, and you have a consistent work history before becoming a homemaker, you may still be eligible for SSDI. This works because SSDI premiums, like most policies, protect you against any sort of disability that may arise in the future. Therefore, even when you quit working you may be “paid up” on your SSDI insurance coverage for several years into the future. In some cases, if your spouse or ex-spouse has died, and you are either at least 50 years old or you have children under the age of 16, you may be able to use your spouse’s work history to qualify for SSDI disability payments.
In the event that you are not qualified for SSDI, there is an alternative option for assist with your income. SSI, or Supplemental Security Income, is available for those who do not qualify for SSDI. However, to be eligible for SSI you must meet certain strict income and asset limits. If your spouse works and you have assets, such as checking accounts and retirement accounts, you probably cannot qualify for SSI because you have too much money.
As we stated earlier, you may be eligible for benefits based on your spouse’s earnings record if your spouse has become disabled and is eligible for SSDI or has died, and:
- You care for your deceased spouse’s child who is under the age of 16 or is disabled and eligible for child’s insurance benefits
- You have not remarried
- You are not eligible for a higher Social Security retirement benefit on your own earnings record or someone else’s, and
- You are not entitled to widow(er) benefits.
If you obtained a final divorce from your deceased ex-spouse, and meet all of the above criteria, you are also eligible for benefits.
There are several other benefits and insurance options available to those who qualify. There is no reason just because you are a homemaker that you should suffer without the help you deserve. We at SMA Services Inc. will work to get you the benefits to assist you and your family in your time of need. If you are interested in taking advantage of SMA’s Homemaker’s Disability Insurance policies, contact us today at firstname.lastname@example.org and let us help you secure your future.