I was wondering if I should apply for SSI or SSDI?   I was wondering if I should apply for SSI or SSDI? My husband gets a retirement benefit of $1224. My child gets adult benefit SSDI under her dad's record of $621. We all live together. I don't have any work credit because I have never worked. I was diagnosed with breast cancer and have a golf ball tumor on my chest. I'm currently doing chemo to shrink it, then surgery and radiation afterward. I currently have gold card. If I apply for social security, how is my husband's or daughter's benefit affected by me getting SSI or SSDI and vice versa? What should I do or apply for? Just want know before I start the process. Unfortunately, you would not qualify for SSDI because you have not worked. You need a minimum number of work credits to qualify for Social Security Disability. In all likelihood, you are not entitled to the need-based SSI disability program because of your spouse's income, i.e. your husband's retirement benefit is too high for you to qualify. At this point, it does not appearl that you have any options with regard to disability through Social Security. I am sorry I do not have better information to give you. I hope your treatment goes well. About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here. Most popular topics on SSDRC.com Social Security Disability in North Carolina Common Mistakes to avoid after being denied for Disability Tips to Prepare for Filing for Social Security Disability or SSI Advice to Win SSD and SSI Benefit Claims Social Security Disability SSI Questions What is the difference between Social Security Disability and SSI? How to get disability for depression Getting disability for fibromyalgia SSI disability for children with ADHD What is the Application Process for Social Security Disability and SSI? Social Security Disability SSI Exam tips More Social Security Disability SSI Questions What makes you eligible for Social Security Disability or SSI? Related pages: Will I get an increase in my SSI check? SSDI Request for Reconsideration Getting approved for disability based on being blind Is Chronic Fatigue considered a disability by Social Security? What happens after you request a disability hearing? Filing for disability and financial help Getting approved after a Social Security Disability Psychological exam How long does it take to receive disability benefits after you are approved?