Abby, thanks for the thoughts.

I have been church organist for 32 years and my income was subject to fed, state (VA), and SS taxes. Just received my annual statement from SS and it did say that I qualify for SSDI with enough work credits.

Just a thought, church employees are not eligible for unemployment benefits since churches are given the benefit of opting out of this program, and they do to save money.

I believe there is another payment program through SS called SSI? Do you know if SSI and SSDI can be collected by the same person?

Thanks,
David