There are two kinds of disability: Supplemental Security Income and Social Security Disability Insurance. Social Security Disability Insurance benefits have no asset limits. Supplemental Security Income eligibility is strictly impacted by how many assets you hold. There is a resource limit of $2,000 for individuals and $3,000 for couples. Meaning, if you have more than $2,000 (or $3,000 if you are married) in your bank account, you will not be eligible for Supplemental Security Income.
There are also strict limits on any income you can earn and remain eligible for Supplemental Security Income. Currently, to be eligible for Supplemental Security Income you cannot earn more than $1,913 a month. Deductions will be made from your Supplemental Security Income payment if you are earning income. Take the amount you earn, before taxes or deductions, subtract $85, and divide by two. That is your countable income, and it will be deducted from your benefit amount.
If you are married, any income earned by your spouse will also impact your eligibility for supplemental security income. If your spouse is working, the first $85 is deducted from their pay, then the remained of their earnings are divided by two and “deemed” to the spouse receiving SSI. So if your spouse is earning too much money, you may receive nothing despite being found disabled.
