Here's an SSA study that estimates that there are 4.4 million Americans who are disabled by the strict definition of the Social Security Act, but who are not on Social Security disability benefits. As would be expected about a third of these people are working at or above the SGA level and there would be others who would be technically ineligible, because they had not worked enough to meet the earnings requirement for DIB and are not poor enough for SSI. This still leaves a lot of disabled people who would be eligible for Social Security disability benefits if they would just apply and then follow through on their claims.
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