Tag: Supplemental Security Income

Supplemental Security Income or Social Security Disability Insurance/Disability Insurance Benefits?

What is the difference between Supplemental Security Income and Social Security Disability Insurance/Disability Insurance Benefits? 

Difference between Supplemental Security Income (SSI) under Title XVI of the Social Security Act and Social Security Disability Insurance (SSDI or SSD) otherwise known Disability Insurance Benefits (DIB) or Social Security Disability, under Title II of the Social Security Act. Most people do not know there are two different programs administered by the Social Security Administration (SSA). In fact there are others but these are the two I am going to focus on today. The main difference is that Supplemental Security Income is income based and only available to low-income disabled individuals. If you make too much or have too much money saved in a bank or a retirement plan such as an IRA, 401K, or the like, or you live with you may not be eligible for SSI. Supplemental Security Income also has a cap on your monthly benefits that is substantially lower than Disability Insurance Benefits. Generally SSI is for those who have never worked, including children; who have worked but very little and have not worked enough to qualify for DIB; for those who have worked but a long time ago. Along with meeting one of these, you must be considered low-income pursuant to Social Security Administration.

Disability Insurance Benefits or Social Security Disability Insurance Benefits are available when an individual has earned enough work credits (paid enough into the Social Security fund through your paycheck, which are taken out with your taxes). From each of your pay checks your employer must pay FICA (Federal Insurance Contributions Act) taxes. This is more like paying an insurance premium. Each time you got paid, a portion of your check went to a fund to support Social Security. In return for making such payments, upon becoming disabled you are entitled to various monthly disability benefits. The amount you receive is specifically related to the amount you have put in over the years. If you have worked or have not worked enough you will not be eligible for Disability Insurance Benefits. Another factor to consider is how long you have been out of work, Social Security uses a formula which creates a date where you are no longer eligible for DIB. This is called your date last insured. In order to receive Disability Insurance Benefits you must be found disabled prior to your date last insured.

Beyond these major differences, the actual requirements to be found disabled are the same. The definition of disabled does not change, but the program you are eligible to be found disabled under may based on your work history and financial status.

You can be found disabled and qualify for both Supplemental Security Income and Social Security Disability Insurance. If applying you should apply for both to protect your right to claim either. If you never apply you may lose out on benefits you may otherwise be entitled to.

If you have been denied Supplemental Security Income or Social Security Disability Insurance (Disability Insurance Benefits), you may want to call an attorney to help you receive the benefits you may otherwise be entitled too.

Call Perry Law Office today to speak with an experienced attorney to discuss your options and help you obtain SSI or Disability Insurance Benefits. Remember, once you receive an denial you have a short deadline to appeal.

 

Thank you

Perry Law Office, P.C.
260-483-3110
www.perryoffice.net

Why have a lawyer help with your Social Security Disability Claim?

 

Obtaining a ruling of disability has never been easy. There are four (4) stages in the application process for Social Security Disability Insurance (SSDI) benefits and Supplemental Security Income (SSI) through the social security administration: (1) Filing an Application for Social Security Disability Benefits/Supplemental Security Income; (2) if denied you then file a Request for Reconsideration; (3) if your Request for Reconsideration is denied  you file a Request for Hearing with an Administrative Law Judge (ALJ); and (4) if you receive an unfavorable decision from an ALJ you may appeal the unfavorable decision with the Appeals Council (AC).  For applications filed in 2009 through 2011 only about 40% of applications were eventually approved. Since then things have become more difficult. The number of claims paid at the initial and reconsideration stages of social security disability has remained about the same. But in 2014 less than half of those who went to the hearing level were found disabled. Historically, that had been, on average, 60% or more. Things did improve a bit in 2015 with nearly 55% of those who went to the hearing level being found disabled. The lesson to be learned is that those seeking disability benefits from the Social Security Administration (SSA) need all the help they can get. After an initial denial, it is wise to engage the services of an attorney who practices Social Security disability law. This is not a guarantee of success, but it does increase the odds. Once you receive a denial you a strict time frame to file an appeal. If you have been denied Social Security Disability, call the trusted lawyers at Perry Law Office.