Can my brother with vision loss and limited work history qualify for SSI? Never paid enough into Social Security
I need advice about my 54-year-old brother's situation. He's mainly done cash construction jobs his whole life without paying much into Social Security (nowhere near the 40 credits needed). His health has deteriorated severely over the years – he broke his back falling off a roof in his 20s (got workers' comp temporarily), has had multiple serious injuries leaving him with 'more metal than bone,' and now has severe vision problems. He lost sight in one eye from a nail gun accident a few years back – had surgery but it didn't help much. He can only perceive light in that eye now. What's terrifying is his other eye is rapidly deteriorating too. He's seeing a specialist next month, but we're really worried. He owns just a trailer, an old truck, and has virtually no savings (maybe a tiny bit of crypto). He's been getting by doing odd jobs for family and friends, but with his vision failing, even that's becoming impossible. He applied for SSDI years ago but was denied – I'm guessing because of insufficient work credits. Would he qualify for SSI now given his disability and limited assets? Are there other programs that might help someone in his situation? I'm desperate to find him some support before his vision gets worse.
20 comments
Sara Hellquiem
Yes, your brother might qualify for SSI (Supplemental Security Income) since it doesn't require work credits like regular Social Security Disability (SSDI). SSI is specifically designed for people with disabilities who have limited income and resources, which sounds exactly like your brother's situation. He needs to apply ASAP and make sure he has medical documentation of his eye condition and other physical issues. SSA will evaluate whether his conditions prevent him from working. The resource limit for SSI is $2,000 for individuals ($3,000 for couples), but his trailer might be exempt as his primary residence. The truck may count as a resource unless it's needed for transportation. Tell him not to worry about the previous SSDI denial - this is a completely different program with different requirements.
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Oscar O'Neil
•Thank you so much! This gives me hope. When you mentioned medical documentation - how recent does it need to be? Most of his surgeries were years ago, though the vision problems are ongoing. Should he wait until after his eye appointment next month to apply or start the process now?
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Charlee Coleman
my uncle got SSI with hardly any work history. but they're super picky about assets. make sure your brother knows they'll check EVERYTHING - bank accounts, property, vehicles. even the crypto could be an issue if it's worth much. good luck!
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Oscar O'Neil
•Thanks for the warning about assets. I'll make sure he knows they'll check everything. The crypto is probably less than $200 worth, and his truck is a 1998 model that barely runs. I'm more worried about whether his medical condition will qualify.
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Liv Park
I tried to get SSI three times before finally getting approved!!!! The system is RIGGED against us and they deny EVERYONE the first time!!! Your brother NEEDS to get a disability lawyer who only gets paid if he wins. They take like 25% of backpay but WORTH IT. Also tell him to apply for state benefits while waiting - maybe food stamps and medicaid. SSI takes FOREVER and they'll make him jump through hoops. They're going to say he can still do "sedentary work" even with no eyesight, GUARANTEE IT. Fight fight fight!
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Leeann Blackstein
•omg this is so true. they denied me twice before approval. the whole process took almost 2 years and i was practically homeless waiting. definitely get the lawyer!
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Ryder Greene
Let me clarify a few things about your brother's potential eligibility: 1. SSI is definitely the right program to explore since it doesn't require work history like SSDI. 2. For disability determination purposes, SSA considers someone legally blind if their better eye has vision no better than 20/200 with correction, or their visual field is 20 degrees or less. 3. Even if he doesn't meet the standard for blindness, his combination of impairments (back injury, vision problems, etc.) may still qualify him as disabled if they prevent substantial gainful activity. 4. Resource limits for SSI in 2025 are $2,000 for an individual. His home and one vehicle are usually exempt. 5. The application should include ALL medical conditions, not just his eyes. I recommend he begin the application process immediately rather than waiting for his next appointment. He can always update his file with new medical evidence. The determination process takes time, so starting sooner is better.
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Oscar O'Neil
•This is incredibly helpful. I didn't know about the specific vision requirements for legal blindness. He definitely has vision worse than 20/200 in his bad eye, but I'm not sure about the "good" one yet. And that's a great point about including all his conditions - he has extensive documentation of his back surgeries and other injuries.
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Carmella Fromis
When I was trying to contact SSA about my mom's disability application, I was on hold for HOURS and kept getting disconnected. Literally took me a week of trying. I finally used this service called Claimyr (claimyr.com) - they got me through to an actual SSA agent in about 20 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Your brother will need to talk to SSA multiple times during this process, so might be worth checking out. Made a huge difference for us during the application mess.
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Oscar O'Neil
•That's a great tip. The last time he tried calling SSA, he gave up after being on hold for over an hour. I'll definitely look into this service - we'll probably need all the help we can get navigating this process.
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Theodore Nelson
Hey just wondering but has your brother ever applied for any state disability programs? Some states have their own disability assistance separate from federal SSI. Also, does he qualify for any veterans benefits? Just thinking outside the box here.
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Oscar O'Neil
•He's not a veteran, but the state disability idea is something we hadn't considered. We're in Illinois - I'll look into whether they have any state-specific programs. Thanks for the suggestion!
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Leeann Blackstein
wait did he get hurt on jobs where he was paid under the table? bc thats gonna make it harder to prove he was working at all. my cousin had similar problem. make sure he remembers names of contractors he worked for cuz they might need statements. also the eye thing - that sounds like definite disability to me!
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Liv Park
•YES!!! This is KEY! SSI will want proof of EVERYTHING! He needs to document EVERY job, EVERY injury, EVERY doctor! Without paperwork they treat you like your MAKING IT UP!
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Ryder Greene
For your brother's upcoming SSI application, here's what he should prepare: 1. Complete medical history with names/addresses of all healthcare providers 2. Dates of all surgeries and major procedures 3. List of all current medications 4. Names/contact information for anyone who can verify his conditions and limitations 5. If possible, a detailed work history for the past 15 years (even informal jobs) Regarding the eye condition specifically, SSA will consider how it affects his ability to function. Even if his vision doesn't meet the technical definition of blindness, the combined effect of all his impairments is what matters. Also, once he applies for SSI, he should automatically be screened for any other programs he might qualify for.
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Oscar O'Neil
•Thank you for such specific guidance. Getting his full medical history together will be challenging, but at least for the eye issues and recent back treatments, we have good records. For some of the older injuries, records might be harder to track down. Will SSA help with obtaining medical records, or is that entirely on us?
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Charlee Coleman
btw if he gets ssi he'll probably qualify for medicaid and snap too. auto enrollment in most states. at least that would help with food and medical care while waiting for everything else.
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Oscar O'Neil
•That's really good to know. Right now he has no health insurance, which is making his eye situation even more stressful. Getting Medicaid would be huge.
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Sara Hellquiem
One more thing about SSI - make sure your brother understands they'll check his living situation. If he's living with family who provide food and shelter without charging him fair market value, SSA may reduce his SSI payment by up to 1/3 (this is called "in-kind support and maintenance"). Not saying he shouldn't apply, just be prepared to document any rental agreements or contributions he makes toward his living expenses.
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Liv Park
•They are SO NOSY about living situations!!! They asked me a MILLION questions about who pays for what and even wanted to see RECEIPTS for groceries! It's like they WANT to catch you in a lie!
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