Tag Archives: SSI

How SSI Benefits Differ From SSDI Benefits

We have previously discussed how SSDI benefits are a form of insurance because you can only receive them if you have worked long enough to have paid enough in FICA taxes to be eligible for the benefits. SSI benefits often get lumped in with SSDI benefits, but the two have important differences. The one trait they do share is that the Social Security Administration uses the same criteria of “disability” to evaluate eligibility for both types of benefits, but that is about where the similarities end, however. The Difference Between SSI and SSDI Benefits SSI or Supplemental Security Income benefits are not a type of disability insurance like SSDI is. SSI benefits are a form of financial assistance for low income, disabled Americans. President Nixon created SSI in 1974 in order to standardize the way that states were providing the same type of benefits. Nixon brought all those different programs…
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Can Creditors Take My Social Security Disability Benefits?

Debt is a concern for households all over the United States. Consumer credit company Experian says that consumer debt in our country has risen to $14.1 trillion in 2019. That is a record high. However, people with disabilities have greater concerns when it comes to this figure. Fixed incomes, reduced working potential and medical bills make it hard for people with disabilities to pay debts. This can lead to creditors garnishing their bank accounts. Does that mean creditors can garnish their Social Security? Can Social Security Disability Be Garnished? In short, no, most creditors cannot garnish your Social Security disability benefits. As with most rules like this, there are exceptions and caveats that need explanation. Here is what you need to know. Which Benefits Do Federal Law Protect? Rules set by the U.S. Department of Treasury require banks to automatically protect certain benefits from the government. But this only applies…
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Five Common Questions About Social Security Disability Benefits

As a worker in America, you pay for Social Security through your payroll taxes. However, this payment doesn’t just go toward your future retirement benefits. The payroll taxes you pay also go toward Social Security disability benefits, which can be essential if you become disabled and are no longer able to work. Understanding this part of Social Security can be difficult, and if you don’t have the right information then you may have problems collecting benefits later. Here are a few common questions and answers that many people have about these disability benefits. 5 Questions About Social Security Disability Benefits How Do I Qualify for Social Security Disability? If you are no longer able to perform a substantial amount of work due to impairment, then you may qualify for Social Security disability benefits. However, there are certain requirements that must be met. The Social Security Administration (SSA) requires that applicants…
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Are Disability Benefits Claimants Still Trying to Work?

  When some people hear that a person is claiming Social Security Disability Insurance (SSDI), they often assume that this claimant is just trying to get out of working. Our society is so work-obsessed that we often stigmatize those who do not have a job, and SSDI claimants sometimes fit into that category. That can lead to unfounded assumptions about disability benefits claimants, but the reality of these people’s lives is far more complex. Disability Benefits Claimants Fight to Work Too The Washington Post has been running stories about people who claim SSDI and SSI. This series has been running for over a year, and its purpose has been to educate the public about what it is really like to be on disability benefits. One of the interesting commonalities that the publication has discovered has been that many claimants still have a desire to work. In a recent article, The…
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What Do I Need to Know Before Applying for Disability Benefits?

Applying for disability benefits is a very complex process. To have any hope of securing disabilities benefits, people with disabilities must be fully prepared prior to submitting an application. Social Security benefits applicants who do not have the documents and other information they need to provide ready when they apply for benefits are certain to be denied. What Information Do I Need to Include in My Benefits Application? Per the Social Security Administration’s website, before you apply for Social Security disability benefits, you must have the following documents and information ready: Medications – The names of any medications you are taking and the dosage. Treatment history – This includes the names of any doctors, caseworkers, therapists, clinics and hospitals that have treated your disability, including the dates of your visits. Employment information – You will need to provide information about where you worked and what type of work you did….
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