When disability strikes, a person’s family and friends need to understand what benefits may be available for their family or friend. Two types of Social Security benefits may be available–Social Security Disability Insurance or Supplemental Security Income. Which is which?
Social Security Disability Insurance (SSDI), which is based on prior work under Social Security. Social Security Disability Insurance (SSDI) is financed with Social Security taxes paid by workers, employers, and self-employed persons. To be eligible for Social Security Disability benefits, the worker must earn sufficient credits based on taxable work to be “insured” for Social Security purposes. Disability benefits are payable to blind or disabled workers, widow(er)s, or adults disabled since childhood, who are otherwise eligible. The amount of the monthly disability benefit is based on the Social Security earnings record of the insured worker.
In contrast, Supplemental Security Income (SSI) is paid based on financial need. Supplemental Security Income (SSI) disability benefits are payable to adults or children who are disabled or blind, have limited income and resources, meet the living arrangement requirements, and are otherwise eligible. The monthly payment varies up to the maximum federal benefit rate, which may be supplemented by the State or decreased by countable income and resources. Work credits are not a requirement for SSI benefits. However, many applicants are denied SSI because of the income and resources in their household.
If you or a loved one is unable to work because of a disability, contact Attorney Matthew Noyes to discuss your rights to Social Security Disability benefits. With offices throughout Tampa Bay, Attorney Noyes and his staff can make the free consultation convenient for you. Click here to schedule a free consultation to discuss your entitlement to Social Security Disability Insurance or Supplementary Security Income.