What You Need to Know about Social Security Disability Benefits

Apr 13

People face unavoidable risks in their daily lives, whether they’re at home, at their place of work, or driving on the road. Sometimes, these risks lead to accidents that could cause injury and disability. During such cases, the U.S. federal government has ensured that people with disabilities receive financial support through social security benefits. This is done through two primary programs called Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). According to the website of the Hankey Law Office, individuals can make claims under either two programs depending on their particular circumstances.

Information about Social Security Disability Insurance (SSDI)

SSDI benefits are a form of financial assistance comprised of regular payments meant to support persons with disabilities and their families provided through paid Social Security taxes. An individual could qualify for SSDI benefits if they are insured members, aged 65 and below, and can meet the following criteria:

  • Have been employed long enough to pay Social Security or Federal Insurance Contribution taxes
  • Have been able to earn the required number of credits by the Social Security Act
  • Currently suffering from total disability, which is defined by the factors: inability to perform previous work due to a medical condition; the disability has lasted for a year, and is likely to continue on for a year or more; the disability can result in death.

The amount paid to beneficiaries will vary depending on the nature of their disability. The same is true for the duration in which a beneficiary will receive their SSDI payments. The Social Security Act provides a list of severe medical conditions that would automatically qualify a person for SSDI benefits. If an individual’s current condition is not on the list, Social Security will conduct an evaluation to learn more about the nature of their disability.

Information about Supplemental Security Income (SSI)

On the other hand, SSI benefits come from the U.S. Treasury. Individuals would not need to have earned Social Security credits through employment to qualify. These payments are typically intended for individuals who are facing notable financial hardships and are having difficulties with paying for basic necessities.

To qualify for SSI assistance, an individual should be at least 65 years old and totally disabled. They should have income or resources that fall within a specific bracket called federal benefit rate.

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