Financial Help for Those Facing Disabilities

Securing Your Disability Benefits

Learn how to qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI).

Social Security Disability Benefits

Living with a disability can present significant challenges, and financial security is often a major concern. Fortunately, the Social Security Administration (SSA) offers two programs to help: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). This comprehensive guide will explain everything you need to know about these programs, helping you determine which might be right for you and navigate the application process.

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Understanding the Programs

SSDI (Social Security Disability Insurance):

An earned benefit program for individuals with disabilities who have a sufficient work history and have recently paid Social Security taxes.
Benefit amount is based on your average lifetime earnings.
You may also be eligible for benefits for your spouse and children.

SSI (Supplemental Security Income):

A needs-based program for individuals with disabilities or those aged 65 or older with limited income and resources.
Provides a monthly benefit to meet basic needs like food, clothing, and shelter.
Does not require a work history.

Eligibility for Benefits

To qualify for benefits under either program, you must meet specific criteria set by the SSA. Here’s a breakdown:

SSDI:

Disability: You must have a medically determinable impairment expected to last at least one year or result in death. This impairment must significantly limit your ability to perform past relevant work or any other work.
Work History: You must have enough work credits (earned through Social Security taxes) in recent years. The exact number of credits needed depends on your age when you become disabled.

Unsure about your eligibility for SSDI benefits? Check your options with the Benefit Eligibility Screening Tool.

SSI:

Disability or Age: You must be 65 or older, or have a disability that meets the SSA’s definition of severe.
Income and Resources: Your income and resources must be below a certain level established by the SSA.

See if you qualify for Supplemental Security Income (SSI) with the free Benefit Eligibility Screening Tool.

The Application Process:

Once you have a better understanding of your eligibility, you can begin the application process. Here’s what to expect:

Apply Online, by Phone, or In-Person: The SSA offers several application options to best suit your needs.
Gather Supporting Documentation: You will need medical records and other documents to verify your disability and financial situation.
Waiting Period: There is typically a five-month waiting period for SSDI benefits to start after your application is approved. SSI benefits can begin sooner, depending on your situation.

What if My Application is Denied?

Don’t be discouraged if your initial application is denied. Many applications are initially denied, and you have the right to appeal the decision. This website provides guidance on the appeals process, including deadlines and steps involved.

Living with a disability shouldn’t mean financial hardship. We are here to help you understand your options and navigate the process of securing the benefits you deserve.