Hi Randy! I am on disability for MG, asthma, fibromyalgia, and other health problems. I am on oxygen due to MG, a rare form, so as the day progresses my levels drop lower and lower which has lead to dizziness. I was approved this past July and I applied in August '08 so be prepared for a long wait.

To answer your question, anyone can be approved for Social Security. The only thing that matters is which program. There are two, Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). If you haven't earned any credits in the past 5 years then you will only qualify for SSI, which is a BIG difference from SSDI. This is because they expire, for disability purposes, after 5 years. For example, I stopped working in 2008 and my credits will expire Dec. 31, 2013.

Most states the amount for SSI is only $674, and they count ALL assets and/or monthly income. Even if you win some money from the lottery, the only thing you can "keep" is $20. What they would do is reduce your next month's check. SSDI is a different story, it is based on your work history. So if you win or inherit money your check will still come like clockwork.

So long story short, even if you are approved they can reduce your check because of your private policy and any other income in the household. Btw, if you are married then they can draw money off of their social security. Since I have never been married I cannot tell you how that works.

Good Luck to you and keep us informed!!