When you become disabled there can be a lot of concerns. You can be worried about how you are going to support yourself or your family and meet your everyday needs. All while you are worrying about if and when you’ll ever be able to return to work.
The Social Security Administration has programs to help Americans when they cannot financially support themselves because of a disability. However, these programs can be difficult understand especially without the right help. In particular, it can be difficult to understand the difference between Social Security Disability Insurance and Supplemental Security Income.
According the SSA, SSDI is income that is based on the amount of earnings that you have paid into the system. As part of your paychecks, money has been taken out and placed into the SSDI program as part of your FICA taxes. In the case of disability, you can access a portion of your previous income to support yourself until you are able to return to work.
On the other hand, SSI benefits are available too. These benefits are available to disabled people who are unable to contribute to the SSDI program. These benefits are available to disabled children, the elderly, the blind and other disabled people. These benefits may be available along with other state benefits to help support the everyday needs of these individuals — even if they have not contributed to the program.
In either situation, the person applying for the benefits must be qualified as disabled. Qualifying for SSI or SSDI benefits can be difficult. Therefore, Pennsylvania residents who need these benefits should explore all of their legal rights to determine which system is best for them. In order to do this, legal assistance might be necessary.