There are some loopholes in Social Security that really stink. My husband was on SSDI for 3 years, and passed away recently. When I got the letter from Social Security, I answered all their questions, then was informed that I would not receive a survivor's pension until I was at least 60, I am 51. And there's no guarantee that I'll receive a survivor's pension at 60, I have to call back to see if I qualify. That's my thanks for being a 24/7 caregiver with a full time job.