Types of Disabilities in Two Harbors
Cognitive difficulty is the most prevalent disability type in Two Harbors, affecting 416 residents (12.6% of the population). People may report more than one disability type.
| Disability Type | Population | % of Total Pop. |
|---|---|---|
| Hearing difficulty | 181 | 5.2% |
| Vision difficulty | 55 | 1.6% |
| Cognitive difficulty | 416 | 12.6% |
| Ambulatory difficulty | 253 | 7.7% |
| Self-care difficulty | 95 | 2.9% |
| Independent living difficulty | 246 | 9.5% |
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- Average wait time: 180 days
- Initial approval rate: 45%
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Disability by Age Group
In Two Harbors, 58.9% of residents age 75 and over report a disability, compared to 13.1% among those under 5.
| Age Group | With Disability | Disability Rate |
|---|---|---|
| Under 5 | 94 | 13.1% |
| 5 to 17 | 71 | 11.2% |
| 18 to 64 | 294 | 22.3% |
| 65 to 74 | 73 | 20.4% |
| 75 and over | 162 | 58.9% |
Disability by Sex
| Sex | With Disability | Rate |
|---|---|---|
| Male | 359 | 20.2% |
| Female | 335 | 19.3% |
Men in Two Harbors have a higher disability rate (20.2%) compared to women (19.3%).
Disability by Race & Ethnicity
| Race / Ethnicity | With Disability | Rate |
|---|---|---|
| White | 646 | 19.5% |
| Black or African American | 28 | 77.8% |
| Asian | 0 | N/A |
| Hispanic or Latino | 23 | 30.7% |
Note: Small sample sizes may produce volatile estimates. These are ACS 5-year estimates with margins of error.
Income & Poverty
Two Harbors's median household income of $62,885 is below the county median ($106,666) and below the national median ($78,538). The poverty rate is 9.7%, above the national average of 8.7%.
Social Security Benefits in Two Harbors
Two Harbors residents in Wright County apply for SSDI through Minnesota's Disability Determination Services.
| Metric | Value |
|---|---|
| Initial approval rate | 45% |
| Hearing approval rate | 49% |
| Average wait time (initial) | 180 days |
With an initial approval rate of 45% in Minnesota and an average wait of 180 days, a lot of people do better when they have a disability lawyer on their side. Check out our Minnesota disability overview for more details.
How to Apply for SSDI in Two Harbors
If you live in Two Harbors and believe you qualify for Social Security Disability benefits:
Online
Apply at ssa.gov/applyfordisability - available 24/7.
By Phone
Call the SSA at 1-800-772-1213 (TTY: 1-800-325-0778), Monday-Friday, 8 AM-7 PM.
In Person
Visit your local Social Security office. Find the nearest at secure.ssa.gov/ICON.
If you think you might qualify for benefits, working with a disability advocate can really help your chances.
Frequently Asked Questions
How many people in Two Harbors have a disability?
Based on 2023 Census data, 694 residents of Two Harbors, Minnesota have at least one disability, representing 19.8% of the population of 3,510.
What is the most common disability type in Two Harbors?
The most common type is cognitive difficulty, affecting 416 residents (12.6%).
What is the SSDI approval rate in Minnesota?
The initial SSDI approval rate in Minnesota is approximately 45%. The hearing-level approval rate averages 49%. Average processing time is 180 days.
How do I apply for SSDI in Two Harbors?
You can apply online at ssa.gov, by calling 1-800-772-1213, or at your local Social Security office. Many applicants benefit from working with a disability lawyer.
What is the median income in Two Harbors?
The median household income in Two Harbors is $62,885.
Nearby Cities - Disability Data
Explore disability statistics for other cities in Wright County.
Check If You Qualify for Disability Benefits
Answer a few quick questions to see if you may be eligible for SSDI or SSI. It takes about 2 minutes and it is completely free.
Sources & Methodology
All data for Two Harbors is compiled from official government sources.
- U.S. Census Bureau - American Community Survey 5-Year Estimates, Table S1810 (Disability Characteristics), 2023
- U.S. Census Bureau - American Community Survey 5-Year Estimates, Table DP03 (Selected Economic Characteristics), 2023
- Social Security Administration - SSI Recipients by State and County, 2024
- Social Security Administration - SSDI approval and processing data, Fiscal Year 2024