Social Security Disability Programs Defined

By Jennifer Scherf-Cook

The two types of disability programs most people are familiar with are Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI).

SSDI is a program for adults who are expected to remain off work, or who have been off work, for at least 12 months.  In order to qualify under this program, you must have paid FICA taxes into Social Security approximately five out of the last 10 years before becoming disabled.  The amount of monthly benefit you receive depends on your wages earned while you were working.  This program also comes with Medicare after a waiting period.

SSI is also a program for adults who are expected to remain off work, or who have been off work, for at least 12 months.  Children under the age of 18 can also qualify for SSI benefits if they suffer from a disabling condition.  SSI is available only to people who meet the income requirements.  This is a need-based disability program, so any assets, income or resources you have access to will be counted by the Social Security Administration (SSA) to determine your eligibility.

Both programs require that you be found to be disabled for at least 12 months in a row to be eligible.  What is disabling changes depending on several factors such as your age, education level and prior work experience. This is why it is important to have an experienced attorney assisting you with your claim.

Please visit our website at www.socialsecurityjustice.com or contact one of the Bailey & Galyen offices for additional information.

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