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Hello and thank you for your question. For over 34 years I have answered questions just like yours. And I look forward to assisting you.
The process to get SSI is the same as for SSD. But SSI is a federal and state welfare program that provides benefits for persons who did not work or did not work enough work credits. Likewiise, to qualify, you cannot own assets (not including a home or car or furniture) worth more than $2000. That means no money in the bank. Also, if you work, and you earn more than $2400 per month, your husband does not qualify for SSI. So if you meet these qualifications, go to any SSA office to apply. Otherwise, file a new application for SSD. I wish you both well.
He does not have enough credits, so does this mean we can apply at any time? Our worry was we had a time limit, but if this is a separate program we should be fine correct? I work, but do not make more than 2400 a month since I lost my job of 14 years due to downsizing I had to start over again. I am supporting 3 of us barely. In conclusion, I am guessing by your response we can apply at any time since it is a separate program.
Thank you very much for your response. It is greatly appreciated.
Not sure if my last question came through, I forgot that I have money in an annuity and IRA for retirement would that be a factor in this case? I would think not, but have to ask.