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How can someone receive SSDI (Title II) benefits if they have never worked?

Question:

How can someone receive SSDI (Title II) benefits if they have never worked?

Answer:

  • If an individual becomes disabled before the age of 22 and one of his/her parents is either deceased or receives disability or retirement benefits, the "Disabled Adult Child" may receive benefits based on their parent's earnings record. SSA has an easy to use FAQ page about this topic: https://www.ssa.gov/planners/disability/qualify.html