Tuesday, February 21, 2012

Difference between Social Security disability and SSI disability


Many of you have asked what is the difference between Social Security disability and SSI disability? Below is a brief chart with detailed links to help you and your constituents/clients further understand these two programs.

This program is financed with Social Security taxes paid by workers, employers, and self-employed persons.
·      The worker will get Medicare coverage automatically after receiving disability benefits for two years.
·      To be eligible for a Social Security benefit, 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
·        their children 
·        widow(er)s 
·      The amount of the monthly disability benefit is based on the Social Security earnings record of the insured worker.
See Understanding the Benefits for a complete explanation SSDI.

This program is financed through general revenues from taxes, meaning benefits are not based on your prior work history.
·      In most states, beneficiaries will automatically be eligible for Medicaid.
·      SSI benefits are payable to:
·        individuals age 65 or older
·        adults who are disabled or blind
·      Eligibility requirements:
·        have limited income and resourcesmeet the living arrangement requirements
·        a U.S. citizen or national, or in one of certain categories of aliens.
·      The monthly payment varies up to the maximum federal benefit rate, which may be supplemented by the state.
See Understanding Supplemental Security Income for a complete explanation of SSI
 
Answers to other related Social Security Disability Topics.