If you are facing a disability between the ages of 20 and 60, Social Security offers potential monthly payments through Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Here’s a breakdown of the requirements and options for disability beneficiaries:
Social Security Disability Insurance (SSDI) Requirements:
- Qualifying Condition:
- To be eligible for SSDI, you must have a qualifying medical condition that meets the strict definition set by the Social Security Administration (SSA).
- Work History:
- You must have a work history, and the work you did must be covered by Social Security.
- Work involves paying payroll taxes to the Administration.
- Work Credits:
- The number of years you need to have worked depends on your age.
- For example, if your disability starts at 60, you may need around 9.5 years of work.
- The SSA uses work credits to determine eligibility, and you need 40 work credits for retirement, equivalent to about ten years of work.
If You Do Not Qualify for SSDI:
- Consider Supplemental Security Income (SSI):
- If you are not eligible for SSDI due to insufficient work history or tax payments, you may apply for SSI.
Supplemental Security Income (SSI) Requirements:
- Income Limits:
- SSI is for low-income individuals, and the monthly checks can be up to $914 for a single person.
- Income limits vary based on marital status and whether you have children.
- Income Sources Check:
- Social Security may assess other income sources, including unemployment benefits, other disability benefits (like SSDI), pensions, or wages.
- Qualifying Conditions:
- Having a disability is one of the ways to qualify for SSI.
- Blind individuals or those at least 65 years old may also qualify.
- Children with qualifying conditions may receive SSI.
Important Update – 3.2% Increase on December 29:
- On December 29, there will be a 3.2% increase in benefit amounts for both SSDI and SSI recipients.
- It is advisable to make an appointment to determine eligibility for SSI or SSDI in December and explore the potential increase in benefit amounts.
Understanding the specific requirements for SSDI and SSI, as well as the upcoming benefit increase, can help individuals navigate the application process and access the financial support they need.
Please note that this information is based on general practices, and individuals should verify details with the Social Security Administration for accuracy and any updates.