Social Security Disability and the SSI Programs
In 1956, President Dwight Eisenhower set up a safety net for people with disabilities through the Social Security Disability Act. A modification of President Roosevelt’s New Deal, the purpose of the Act was to make sure that no American suffered the indignity of financial ruin if rendered unable to work by reason of disability. As many of our neighbors suffered from the tragedy of disability, American determined to meet the moral challenge of keeping people from going hungry on the streets due to an inability to work.
In 1969, President Nixon added the Supplemental Security Income program (SS(). So there are now two programs for disabled Americans to turn to for help. The key difference between the two programs is that SSDI is for people who have contributed to the program through their employer and earned this governmental insurance coverage. In contrast, SSI is a welfare-based program for disabled person regardless of work history.
SSDI is one of the legally required deductions taken out of every American worker’s paycheck. Workers pay into the program and earn “credits” toward benefits. Generally, a person needs 20 credits to be eligible for benefits in this program. Because it is the duty of workers to pay into the Social Security system, the system has a duty to pay benefits to workers who are legally entitled to them. They system has a responsibility to process claims fairly and efficiently, and to be consistent with the rules established by the Social Security Administration. Too often cases are wrongfully denied. In fact, only 52% of all applications are approved for benefits.
That’s where Disability Group can help. Disability Group, Inc. has become one of the largest and most successful social security disability advocacy groups in the nation because we have earned a reputation for honesty, integrity and a sincere dedication to our clients' welfare. And, we remain committed to serving our clients with dignity and respect, and working aggressively to secure the benefits that each client deserves. Call us, we can help – (800) 248-1100!
Differences Between SSDI and SSI Benefits
Social Security Disability Insurance (SSD) is the program under which those who have paid into the Social Security fund through their employer can receive benefits. Remember, SSDI is one of the legally required deductions taken out of every American worker’s paycheck. So, workers pay into the program and earn “credits” toward benefits. Generally, a person needs 20 credits to be eligible for benefits in the SSD program. It is a form of insurance for those employed, generally through automatic payroll deductions.
Supplemental Security Income (SSI) is a program for those with limited resources who have become disabled. It is a type of welfare program and intended to fill the gap for disabled person who cannot meet the work requirements. There are work requirements for SSD, but none for SSI.
Remember, SSD benefits are based on income earned. So, the more that you have recently paid into the system, the more you will receive when you are awarded. The Social Security Administration will often freeze your earnings so that if a fall in your income occurs due to your disability, it will nto affect the amount of benefits you receive. When you are awarded benefits from SSA, you will receive a letter informing you of how much you have been awarded.
For SSI, the amount of income you receive in a month cannot exceed the Federal Benefit Rate. In order to qualify for SSI, you must not exceed a set level of resources. A resource is any asset that can be converted to cash for support. Resources counted when deciding whether you qualify for SSI include real estate, bank accounts, cash, stocks and bonds.
If you need help determining if you qualify for SSI or SSD, call Disability Group! Speak to one of our disability experts today to get your questions answered – and to start the process of receiving your government disability benefits today! Call (800) 248-1100 today!