Ginnie has a very complicated and rare situation, and will not relate to 99.99% of other applicants, and involves other agencies and benefits then SSDI as well.

Finz is 100% correct that you do not have to be destitute to receive SSDI.

To receive SSI and Medicaid benefits, a person must have access to very few resources.

The issue that tends to effect people is if they apply for SSDI and are denied, if the process takes many years, they lose eligibility if they want to start a second application down the line after they exhaust all legal options with the first application. For those with a home and/or married, they will likely not qualify for SSI.