Social Security Disability Is Confusing -- Let's Clear It Up

Posted on: 3 April 2020


Social security disability issues arise often, especially when somebody is dealing with chronic illness and pain at work. With a lack of evidence available, it can be very difficult to document your symptoms for your employer. In fact, many people do not even realize that they might be eligible to sign up for SSI or SSDI.

Part of clearing up the confusion surrounding these types of programs involves understanding what each term means. These are a few things you need to know before you apply for benefits, especially during this trying time in which it can be difficult to anticipate your needs.

What Are Benefits?

Disability Insurance, or SSDI, and Supplemental Security Insurance (SSI) are both options for benefits. These benefits step in to help when you are not able to work, perhaps because of an injury you have experienced that takes away from your ability to work as you usually do. Benefits encourage you to avoid working when you are in pain or ill because you do not have access to the funds you need.

What Is Disability Insurance?

Disability insurance is based on your past earnings. The amount you receive is also based on how severe your medical conditions are. The amount of disability insurance you earn has nothing to do with the income of your household and the other financial resources you have at home. If you receive Disability Insurance, you will receive monthly payments that will hopefully allow you to sustain your life and family.

What Is SSI?

You are eligible for SSI based on your household income in addition to your medical conditions. You do not need to be currently working to receive this insurance. You may not be eligible for SSI depending on your income or assets, however.

Can You Receive Both Disability Insurance and SSI?

You may be eligible for both disability insurance and SSI based on your home's income and your personal employment history. This is an issue that is considered on a case-by-case basis, so make sure you speak with an attorney if you believe you may be eligible for both but have not been approved.

What Do You Need to Apply for Benefits?

If you want to apply for benefits, you will need to compile some information. This includes documentation related to your medical diagnoses, employment information, your doctor's contact information, dates of major hospital and doctor's visits, and the last dates you worked.

To learn more about SSDI and SSI, contact a social security disability lawyer in your area.