Disability Benefits for Stay at Home Moms and Dads

Social Security for Stay at Home

Plenty of women and men make the decision to forget a career and stay home with the kids. Choosing to be a homemaker is a perfectly honorable decision, but if a stay at home spouse becomes disabled they might have a hard time qualifying for social security disability benefits.

The problem is that stay at home moms and dads typically don’t have the employment history to get Social Security disability insurance (SSDI) and their combined household income is too high for Supplemental Security Income (SSI).


To qualify for SSDI applicants must have a medical disability and enough work credits for your age. Work credits are earned by paying taxes into the Social Security system over time. Your age at the time of your application will determine how many work credits you need.

The problem stay at home moms and dads run into is that they haven’t worked, and therefore haven’t earned work credits in a long time and So the question arises Do stay at home moms get social security? This lack of work credits is what prevents stay at home parents from getting SSDI.

A stay at home spouse can still qualify for SSDI if they have work recently and have earned enough credits.


When one spouse chooses to stay home it typically means that the other spouse makes enough money to support the entire family their income alone. The main difference between SSI and SSDI is that SSI is income based. The SSA sets strict limits on the total income a family can have, which include monthly income, savings, investments, and other assets.

Stay at home moms and dads can still get Social Security disability, but it’s typically hard. Jan Dils Attorneys at Law will give you a free consultation to see if you’re a good candidate for social security for stay at home moms and Dad.   

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Jan Dils, Attorneys at Law

Jan Dils, Attorneys at Law