More on disability realities. If you haven't worked at least 10 years, then you won't qualify for SSD but could qualify for SSI. For SSI here, they give out less than $700 a month. But, they evaluate your need based on the income of the entire household. They would include your husband's income so even if you qualify for SSI you wouldn't get anything if your household income is too high. I don't believe that SSD considers household income because you have "earned" it. SSI is considered more in the lines of welfare so it is based on disability and financial need.