In the United States only.
If a person never worked “on the books” and is now unable to work. What disability from social security is open to them?
History: Man works “under the table” in odd jobs, construction and menial tasks. Is a US born citizen. Then becomes injured in a motocycle accident. Broke back so much that unable to work/stand or sit comfortably.
What benefit are they most likely to be eligible for? And would spouse’s income prevent them from getting any income?

Only other possibility is SSI which is the federal welfare program. As such it takes into account income of spouse as well as disabled individual. If the disabled person has countable income of $718 or more there is no SSI payable (not all of the spouse’s income is “deemed” to be his). Resources of $2000 or more count as well although SSI does not count ones home or the value of one vehicle.
I notice that several people have said resources of $3000 but that is incorrect. That only applies when BOTH the husband and wife are entitled to SSI. If only one person is entitled the limit is $2000 in countable resources.
You get what you pay for, don’t you? And the SSI interviewer isn’t going to waste her/her time discussing why your husband didn’t bother to do things the proper way.
the man might qualify for SSI benefits. if he is found to be disabled under social security rules. His condition needs to have lasted at least a year or is expected to last a year or longer, and needs to be severe. So severe that he could not work at any other job and earn $1010 or more including gross income. I am not sure why this man has worked under the table , only if he was not a citizen of the United States? If he is here illegally he is not entitled be to benefits. He can go down to the nearest socials security office and get the application packet , he will need to fill out the packet to the best of his ability , he will need to sign medical release forms that should be so social security can obtain his medical records or documentation of his disability, this is one step each applicant is required to do , so he needs all the names and address’s + phone numbers of all treating physicians, Even if his DR. agrees he is disabled is not enough for him to get approved. Social security has their own Dr’s and people through the disability determination services deciding if a person is going to be approved or denied. If denied he can appeal the decision and try to obtain new records supporting his claim of disability. The whole process can take at least a year or longer, and can be very stressful because things run slowly .
If he is approved for SSI his spouse’s income combined with his income has to be under $3000 which includes any type of resources. He ca have one car, and a house that will not count as a resource, but if he has more then one car, or anther home, property , or any assets that exceed over a certain amount he will not be eligible for ssi payments.
They MIGHT be eligible for SSI. The disability must be severe. The fact that the person has no record of ever working when able-bodied would mean they have no comparable job skills to say they can no longer do the work they did. So by applying for SSI they might find them self in trouble with the IRS/SSA for not having paid into the Social security system. I would strongly suggest you find more under the table work you can do. Or get trained to do some over the counter work.
Yes, if the spouse’s income is high enough it would make them ineligible for SSI.
This is exactly why people work on the table – so that when things like this happen they have the ability to get SSDI. The absolute most you would be eligible for is $698 a month as a federal benefit.
Added: Resources for a couple must be valued at under $3,000 NOT income, not including 1 house and 1 car. As a guide you can use maximum income of 12,578.71 a year before you would be ineligible for SSI.
they could go for SSI…but they would have a lot of explaining to do….he would need a good story as to how he was supported all those years if he really wasn’t working..
this happened to my neighbor–he had a very high income working off the books–nice house, boat, etc….enough so that he could have still paid taxes and lived a comfortable life….
he got very sick and has since died…he would not apply for SSI as there would be questions about his work history and lack of taxes paid…he only got medical care by getting into a medical study–which extended his life by about 5 years..all the others with the condition died much sooner (it was a rare cancer–he was the only 1 that went into remission)..also the other families got million dollar legal settlements—-he couldn’t because the lawyers would dig into his work history after the job that caused the cancer…for which he didn’t pay taxes.
and yes the spouses income would count against him..
If they haven’t paid in enough, it would be pulled from the spouse’s ssi