Social Security Disability Insurance (SSDI) – Home & Auto FAQs

Can I own a home and/or car if I am on Social Security Disability Insurance?

The Social Security Administration (SSA) does not subject Social Security Disability (SSD) claimants to an asset test—something Supplemental Security Income (SSI) claims require. Considering SSDI applicants can possess assets, cash, and resources without limit, there is nothing in the SSDI guidelines that will prevent a claimant from owning a home and/or car. In SSI claims however, both home and/or car ownership can be a problem.

SSI asset calculations will not consider the value of the home in which an applicant resides—but they will count the value of secondary residences, vacation homes, land other than where their primary residence is located, or income properties. The value of such additional property may potentially disqualify an applicant from SSI—even if they are found medically disabled.

SSI asset calculations will not consider the value of the first vehicle an applicant owns—but they will count the value of additional vehicles, boats, motorcycles, or recreational vehicles. The value of such additional items may potentially disqualify an applicant from SSI—even if they are found medically disabled.