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Applying for Social Security Disability - Social Security Administration
There are two separate disability programs administered by the Social Security Administration – one called “SSDI” which offers benefits to working Americans and another called “SSI” which provides assistance to those with very limited income and few assets. Both of these programs have very different eligibility criteria, but both can be applied for online. It is, however, important to understand which program you may qualify for.
“SSDI” – Social Security Disability Insurance – offers financial assistance to supplement income for workers who become disabled and unable to perform substantial gainful activity (SGA). In other words, they can no longer perform their job, and haven’t yet reached their SS full retirement age.
“SSI” – Supplemental Security Income – by contrast, isn’t necessarily for workers but rather for disabled or blind adults or children with very little income or assets. SSI is more of a general social benefit program.
It’s important to note that SSDI benefits are paid from the Social Security “DI” Trust Fund, whereas SSI benefits are paid from the general U.S. Treasury. Also, SSI is jointly administered by the SSA and each individual state (and each state may provide additional SSI services.
The Social Security Administration has made applying for either SSDI or SSI a fairly easy process through its online service capabilities, as discussed in this important article at the agency’s website. Click here to read all about applying for SSDI or SSI online.
Also, if you’re unsure about how these basics apply to you, or if you have any questions about your individual situation under Social Security, note that the AMAC Foundation provides a free-to-the-public advisory service to help Americans navigate the complexities of this program. All questions are answered quickly, at no charge. Learn more about it here…