Social Security Disability Insurance and Supplemental Security Income

These two federal programs are administered by the Social Security Administration. The medical requirements and the process are the same for both programs in order to determine if the applicant is disabled. The difference is that under the Supplemental Security Income, the applicant also needs to meet the requirements for economic hardship.

Social Security Disability (SSDI or Title II) is a program paid for with the social security taxes of employees, employers and self-employed. Disability benefits are paid to the workers with disability, widowed with disabilities or adults who are disabled from infancy when they have the right to these benefits. Additional benefits may also be paid to the dependants of the worker.

The monthly disabled benefits payment is based on the social security of the insured worker and under the social security number of the disabled whom the claim would be made under. After the applicant is determined disabled, he or she has the right to apply for Medicare. The disabled has to receive or have the right to receive twenty four months of SSDI before Medicare can begin. Medicare has a minimal monthly fee (currently it is $97 a month).

On the other hand,

Supplemental Security Income (SSI o Title XVI) is an assistance program which is financed through general fiscal income. Disability benefits of the Supplemental Security Income is paid to disabled adults and children who meet the income, resources and living needs requirements.

Currently, a single person cannot exceed $2000 in assets and no more than $3000 in assets as a couple. Additional benefits aren’t paid with the Supplemental Security Income. The monthly amount of Supplemental Security Income is different in every state

and can vary according to the income and resources of the applicant. (In many states, the maximum amount for SSI is $674 (2009) a month for a single person and $1011 (2009) a month for a disabled couple). Generally, you need to be a United States Citizen or meet the requirements for those who aren’t in order to be eligible for SSI payments. If you receive SSI, you also have the right to Medicaid, which is free.

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