can you file for disability without a job

can you file for disability without a job

Can You File For Disability Without A Job?

If you’re out of work or unable to work because of medical reasons, you may be wondering if you can file for disability without a job. The answer is yes, it’s possible, but there are certain stipulations that could make the process more difficult. Here’s what you should know:

Government-Funded Disability Benefits

The Social Security Administration provides disability benefits to those who cannot work due to physical or mental impairments. To qualify for government-funded disability benefits, you must:

  • Prove that your disability is expected to last for at least 12 months or will result in death.
  • Meet the Social Security Administration’s definition of disability
  • Have worked a certain number of years over the past decade, depending on your age when your disability started.

Private Insurance Benefits

If you have a private insurance policy, such as one provided by an employer or purchased as an individual, that may cover some or all of your medical costs associated with a disability. However, there are some stipulations with private insurance that you should be aware of:

  • Your disability must be covered by your policy. Check to see what medical conditions your policy covers.
  • You must meet any disability requirements set forth in the policy, such as being unable to work for a specified amount of time.
  • Your coverage may be limited to certain types of disabilities.


It is possible to file for disability without a job, but certain qualifications and requirements must be met to be approved for government-funded or private insurance-funded benefits. Be sure to research all your options and consult with a legal professional if you have any concerns.


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