Apply For The Right Program: Social Security Disability
The Federal government offers help to those who are disabled through at least two different programs, and they are frequently confused with each other. When you consider how much trouble it is to fill out an application for these programs you will understand how important it is to aim your sights toward the most appropriate program for you. Read on for an overview of these two programs so that you can get the help you need as soon as possible.
These programs are similar
There are some ways that these programs are very similar so the following is true no matter which one you end up applying for:
1. Both are government-run programs at the federal level.
2. Both pay a monthly amount to those who qualify after a long and rigorous application and approval process.
3. Both use the same medical criteria to determine your qualifications and the same medical conditions are covered by both programs.
4. Both require that you present adequate proof of your medical condition, which usually means showing that you have received treatment from a doctor and have the medical records to prove it.
Social Security Disability Insurance (SSDI)
This program targets those who have worked for enough years and made enough money to qualify. The funding for this program is the same one that pays people retirement benefits. Each and every paycheck you earn has deductions taken and put aside for your use later.
The amount of time worked and your age are taken into account to create what the SSDI calls work credits. It's a complicated calculation, but your Social Security caseworker can help you determine whether or not you have enough work credits to qualify and the amount you might receive. You can also access an estimate of your earnings and potential benefit amount by registering with the Social Security Administration (SSA) online.
Supplemental Security Insurance (SSI)
For people who have not been able to work enough to build up enough work credits to qualify for SSDI, the SSA offers Supplemental Security Insurance (SSI). While there is no requirement that you ever worked, your income and property must be below a certain level since this program is aimed at people with very few financial resources. If you are already qualified for such government help as food stamps and housing assistance, then you likely also qualify for SSI. It should be mentioned that children who are disabled may also qualify for SSI if their parents or guardians meet the limits.
Speak to a Social Security attorney if you have been denied your benefits for support and need help through your appeals process.