How Are Social Security Disability And SSI Disability Different?

Many people assume Social Security Disability is the same as Supplemental Security Income disability. The fact that both types of benefits are under the Social Security Administration is probably what makes them confusing for many people. Knowing one from the other will help you apply for the right kind of benefits, hence eliminate the chance of denial on grounds of ineligibility.

Social Security Disability

Social Security Disability Insurance (SSDI) applies to disabled workers, widows and widowers; and people who’ve been disabled since childhood. It is financed with social security taxes as paid by employers, workers and the self-employed. To be approved for the program, the Social Security Office will analyze your work history – you must have earned enough credits from your previous taxable work. This is what insurers you for Social Security benefits. The amount of benefits you receive will depend on your total earnings.

Social Security Income Disability

Unlike Social Security Disability (SSDI) which is financed through taxes, Social Security Income (SSI) disability is financed through general revenues. The program is available for people who are 65 years or above; or anyone else who is disabled such that they cannot work for income. People that are already receiving social security benefits but do not have additional resources or income can apply for SSI. The Social Security Administration has a special way of calculating eligibility. You may own your house or even have a car and still qualify for SSI. What they look at is whether you have any money coming in from one resource or another.

How to find out your eligibility

The only way to know your eligibility for either Social Security Disability or SSI is by contacting the Social Security Office near you. They will supply you with all the information you need about the programs and how to apply for either.

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