Everything you say about SSDI is true, Chipper. I don't see where anyone else above said anything different. Having ten million dollars in the bank would not disqualify anyone from getting SSDI. It's not a "means tested" benefit - just as you say.

If the original poster does not have enough work credits to qualify for SSDI, then her alternative would be to hope to get SSI (Supplemental Security Income.) When you apply for SSDI, you can also be considered for SSI. SSI is basically federal welfare for the aged and disabled who are very poor. Most recipients of SSI either could not qualify for SSDI or regular Social Security - OR: they do get one of those checks, but the amount is very small.

Getting SSI does depend on "means testing." You have to be poor. Living with parents who support you to some extent can lessen your eligibility. Here's a reference:

"WHAT IF SOMEONE ELSE HELPS PAY MY LIVING EXPENSES?

Any food or shelter you get from someone else that you do not pay for may reduce your SSI benefit. However, we do not reduce your benefit if your spouse who is living with you provides these items. Likewise, if you are a minor child, we will not reduce your benefits if a parent or parents who live with you provide these items."

From: SSI Spotlight on Living Arrangements