The Social Security Administration (SSA) manages two disability programs which support individuals who are unable to work due to physical or mental health limitations. The two programs are Disability Insurance Benefits (DIB) and Supplemental Security Income (SSI).
While both programs aim to assist individuals with disabilities, they differ in eligibility criteria, funding sources, and the nature of the benefit provided.
Disability Insurance Benefits (DIB):
DIB, also known as Social Security Disability Insurance (SSDI), is a program designed to provide financial assistance to individuals who have worked and contributed to the Social Security system but are now unable to work due to a physical or mental disability. This program is funded through payroll taxes paid by workers, employers, and self-employed individuals.
- Work History Requirement:
- To qualify for DIB, applicants must have a sufficient work history and have paid into the Social Security system through payroll taxes.
- The number of work credits required depends on the age of the individual at the time of disability. Generally, a person needs 40 credits, 20 of which must have been earned in the last 10 years.
- Disability Criteria:
- The SSA defines disability as the inability to engage in substantial gainful activity (SGA) due to a medically determinable impairment expected to last for at least 12 months or result in death.
- The impairment must be severe enough to prevent the individual from performing their previous work or adjusting to other types of work.
- Benefits Amount:
- The amount of DIB is based on the individual’s average lifetime earnings covered by Social Security. Higher earners may receive higher benefits.
Supplemental Security Income (SSI):
SSI is a needs-based program that provides financial assistance to disabled individuals with limited income and resources. Unlike DIB, SSI is not tied to work history or payroll tax contributions. Instead, it is funded by general revenues from the U.S. Treasury.
- Financial Need Criteria:
- Eligibility for SSI is based on financial need. Individuals must have limited income and resources to qualify.
- The SSA considers income from various sources, including wages, Social Security benefits, and other forms of financial support.
- Disability Criteria:
- The definition of disability for SSI is the same as for DIB – the inability to engage in substantial gainful activity due to a medically determinable impairment expected to last at least 12 months or result in death.
- Benefits Amount:
- The federal government sets the basic SSI benefit amount, which may be supplemented by certain states. The actual benefit varies depending on factors such as income, living arrangements, and other resources.
Wondering if you qualify for either type of Social Security Disability Benefits? Take the first step by scheduling a FREE consultation. There’s no obligation, and it’s an opportunity to discuss your case with an experienced attorney.
Call the Law Office of Rachel M. Pinch today to explore your options and embark on the path to securing the benefits you deserve. Our team is ready to advocate for you every step of the way.
📞 Dial 248-244-3900 now to begin your FREE consultation and let us help you navigate the path to Social Security Disability Benefits!