SOCIAL SECURITY DISABILITY

If you have become disabled such that you are unable to work, you may qualify for Social Security Disability benefits.

Two Disability Benefit Types

Social Security Administers two types of disability benefits which are often confused by those who don’t deal with these issues regularly. First, there is the standard Disability Insurance Benefit, for which you may be qualified if you are “insured.” To be “insured” you must have worked over a certain amount of time, and by virtue of paying the “FICA” tax, earned sufficient credit. Second, there is “SSI” or Supplemental Security Income, which is a disability benefit which is based entirely on need. There is no past earnings requirement for SSI benefits. Under some circumstances, an individual may collect both SSD and SSI benefits.

SSA’s Definition of Disabled

In order to be awarded either type of benefit, the claimant must be unable to do the work that he or she had done before and unable to adjust to any other work due to his or her medical condition. The claimant’s disability must also last, or be expected to last, for at least one year or to result in death.

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