Overview of Social Security Disability Benefits

The Social Security Administration (SSA) is not just for retirement

. The SSA offers two types of disability benefits for those who qualify. Social Security Disability Insurance (SSDI) pays benefits to a worker who has a long enough work history to be eligible and who meets the requirements for a disability. Supplemental Security Income (SSI) is a benefit that is paid to disabled workers based upon financial need. The programs are very different and have specific requirements.

Workers who can no longer work because of a disability may be eligible for SSDI. The SSA has guidelines as to what constitutes a disability; they are usually medical disabilities that make it a hardship for the worker to withstand working conditions. The worker is unable to continue their pre-disability work and cannot adjust to any other type of work because of the medical condition. The disability must be expected to last at least one year or be a fatal condition. Examples of a disability include lung cancer, schizophrenia, and congestive heart failure.

Not everyone will qualify for SSDI even if they have a legitimate disability. Workers must have a work history or earnings record with enough time and tax money paid into the SSA system. The requirements are based upon the age of the worker. While receiving SSDI, there are incentive programs designed to help the worker return to the work force in some capacity. The Ticket to Work program offers some workers the chance to use a "ticket" and work with an employment network to find ways to start working again, either at the same type of job or something new.

SSI is a benefit that is paid to blind, elderly, or disabled workers who have few other options for income or financial resources. SSI is intended to pay for essentials such as shelter, clothing, and food. Many people who receive SSI are also eligible for other types of public assistance with housing, health care, or food since they have little to no net worth.

Anyone who believes they are eligible for SSA disability benefits should consult an attorney who specializes in disability benefits.

Overview of Social Security Disability Benefits

By: Drew Massie

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