I didn't think it applies to federal disability insurance (I'm just receiving a return on the taxes I paid during the 25 years I was able to work). Also, how is the Federal Government going to find out if you own a car. Vehicle registration is a state function. The $5000 threshold is in play, however, if one is applying for any kind of state aid here in Michigan. I don't receive state aid, so I'm not cheating the system.