Supplemental Security Income (SSI) is a program initiated by the United States government and administered by the Social Security Administration that offers stipends to people who have a low-income and are either above 65 years of age, blind, or disabled. The SSI is funded from the Treasury general funds of the US.
Social Security Disability Insurance (SSDI) is the program available to workers who have added an adequate number of work credits. The supply of SSD can be temporary or permanent based on whether the disability of the individual is temporary or permanent. The amount received each month will be based on the average lifetime earnings before the disability began. It is not based on how severe your disability is or how much income you have.
In order to evaluate a social security benefit claim, the social security administration considers the age, education level, work experience over the past 15 years, and the conditions that the individual suffers from that render him disabled. Each of the claim is evaluated separately and none of the two claims should be alike.
The Social Security Administration (SSA) has a book that enlists the criteria for certain deficiencies. The book is nicknamed the ‘Blue Book.’ Serious medical impairments have certain criteria and qualifications for approval. These qualifications are listed in the blue book. The SSA’s job is to qualify individuals for social security benefits by evaluating their eligibility based on their disability. The social security field office receives the applications. After making sure that the individual is financially eligible, it forwards these applications to Disability Determination Services (DDS) which determines whether the condition of the individual is serious enough to make him eligible for the benefits.
According to the SSA, the factors that need to be considered to determine whether an individual is eligible for SSDI benefits are as under:
- The individual should have a physical or mental condition that prevents him from getting engaged in any ‘substantial gainful activity’
- The condition exists from last 12 months at least and can result in death
- The individual is under the age of 65 years
- Prior to the onset of disability, the individual has accumulated 20 social security credits in the previous 10 years
- One additional credit should be there every year by which the age of the worker exceeds 42
The criterion of work is given up for applicants who became disabled before or at the age of 22 years. If they have evidence of their disability before or at the mentioned age, these applicants may be given the benefit to collect on their parents’ work credits. No loss or benefits are experienced by the parent(s).
Symptoms of the impairment considered must be reasonably estimated to be the result of a medical cause that the applicant is diagnosed to have. These symptoms may include pain. The final decision of allowing SSDI or SSI benefits is based on evaluation of medical evidence in a sequence.
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