Types of Social Security Benefits
As you have probably discovered in your own research, it’s extremely important to understand the types of social security benefits that are available to you. The Social Security administration offers many different programs and each of them are targeted to assist different segments of people. The two main and most well known programs include Supplemental Security Income (SSI) ans Social Security Disability Insurance (SSDI) and they each have their own set of specific eligibility criteria.
There is also a program called Disabled Adult Child Benefits which caters to specific disabled individuals. Here is a closer look at each of these programs and who they are targeted to help.
Supplemental Security Income (SSI)
Supplemental Security Income (SSI) is targeted to low income individuals who are disabled, blind, or elderly (age is a factor). It is considered a needs-based federal income supplement. The goal of SSI is to provide financial assistance to people with limited income and resources. This financial assistance is meant to help them meet the basic needs of life including food, clothing, and shelter. An important note is that SSI DOES NOT require applicants or recipients to have paid social security taxes during their lifetime.
SSI financial payments can start as early as the month after the application date. The payments offer relatively quick financial relief for individuals that qualify. Since SSI is a needs based program, the specific situation will be looked at and it’s not the same for everyone who is approved. They will look at and review the applicant’s income, resources, and their overall financial situation.
During this review or evaluation of the overall financial situation for an individual, there is a term called “countable income” which will affect the benefit amount received. Having an experienced social security disability who understands the nuances and complexities of SSI is extremely beneficial.
Social Security Disability Insurance (SSDI)
Social Security Disability Insurance (SSDI) is a federal program that offers financial benefits to individuals who have become disabled through a physical or mental impairment and DOES require applicants to have paid security taxes their lifetime. To qualify, you must have a significant work history and have paid social security taxes throughout their employment. Unlike SSI, SSDI is not categorized as needs based but instead relies on the applicant’s work credits and contributions to the social security system.
SSDI payments typically start around 5 months after the disability date. It is aimed to provide long-term financial support to individuals who are unable to work because of a disabling health condition. Since it is not needs based, the payment or benefit amount is calculated based on the applicant’s earning history. For this reason, higher lifetime earnings usually result in higher SSDI benefits.
Disabled Adult Child Benefits
Disabled Adult Child Benefits is a bit more specific than either SSI or SSDI. It is intended for individuals who have become disabled before the age of 22 and have a parent who is either deceased or currently receiving social security benefits. These benefits offer much needed financial support for young adults who are unable to work due to their disability.
To quality for Disabled Adult Child Benefits, you are not required a work history or paid social security taxes. Instead, the eligibility is based on the parent’s social security status. This can be an extremely helpful benefit for families struggling with the financial needs of a disabled adult child.
The Role of a Social Security Attorney
The laws and regulations surrounding social security benefits are notoriously complex and cause a lot of confusion to an individual applicant who is applying for the first time or inexperienced with the system. Social security disability lawyers are well versed with the complex system and specialize in advocating for their clients which in turn will significantly improve the chances of a successful result.
It’s not uncommon for applicants to be denied multiple times before eventually being approved for benefits. This may not seem fair, but unfortunately, it’s just the way the system works, and you must go through the process. We understand the mental anguish and financial strain multiple denials has on people and we will do our best to move your case along as swiftly as possible. By submitting all the necessary documentation along with addressing any errors in the original application(s), a skilled disability attorney will give you better odds of approval.
An attorney will do much more than simply filling out your forms. They will help guide you through the entire process from the initial application to hearing that you must attend before a magistrate. They will find deficiencies in your medical history and help you find a doctor that can help build the evidence in your favor and address the reasons why your application was denied. Hiring a social security disability lawyer can be the difference between a quick resolution to your appeal or a long stressful battle that ends in another denial.