Social Security Disability

Resourceful Links & FAQ's

The United States Social Security Administration (SSA) administers four basic programs to provide financial assistance to people who cannot work because of a disability. While there are some similarities between these programs, each one is aimed at assisting a particular type of disabled person and has its own set of requirements and conditions.We’ve answered some questions people frequently ask us about disability benefits below.

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Florida:

Illinois:

FAQ

Types of Disability Benefits

What Are the Four SSA Disability Programs?

The Social Security Administration (SSA) offers four primary disability programs:

Social Security Disability Insurance (SSDI): Provides benefits to disabled individuals who have paid into Social Security through payroll taxes.


Supplemental Security Income (SSI): Offers assistance to disabled individuals with limited income and resources, regardless of work history.


Disabled Adult Child (DAC) Benefits: SSDI benefits for adults who became disabled before age 22 and have a parent who is retired, disabled, or deceased.


Disabled Widow(er)’s Benefits: SSDI benefits for widows or widowers who are at least 50 years old and become disabled within a specific time after the death of their spouse.

What Are Social Security Disability Insurance (SSDI) Benefits?

SSDI benefits are payments provided to individuals who have a qualifying disability and have worked enough years while paying into Social Security. The amount of the benefit is based on the recipient’s earnings record. SSDI may also provide benefits to eligible dependents, such as spouses and children.

What Are SSDI Benefits for Disabled Adult Children?

SSDI benefits for disabled adult children are available to individuals who:

Became disabled before age 22.
Are the child of a parent who is receiving Social Security retirement or disability benefits or is deceased. The child does not need to have a work history, but their disability must meet SSA criteria.

What Are SSDI Benefits for Disabled Widows and Widowers?

These benefits are for widows or widowers who:

Are between the ages of 50 and 60.
Have a qualifying disability that began within seven years of their spouse’s death. The widow(er) must meet SSA's definition of disability and cannot remarry before age 50 if they wish to claim these benefits.

What Is Supplemental Security Income (SSI)?

SSI is a needs-based program that provides financial assistance to individuals who:

Are 65 or older, blind, or disabled.
Have limited income and resources. Unlike SSDI, eligibility for SSI does not depend on work history but rather on financial need.

What Are the Differences Between SSDI and SSI?

Eligibility:
SSDI: Requires a work history where the individual has paid Social Security taxes.
SSI: Based on financial need and does not require a work history.


Funding:
SSDI: Funded through payroll taxes.
SSI: Funded through general tax revenue.


Medical Benefits:
SSDI: Recipients qualify for Medicare after 24 months of receiving benefits.
SSI: Recipients usually qualify for Medicaid immediately.


Payment Amount:
SSDI: Based on the recipient’s earnings record.
SSI: Fixed federal benefit rate with possible state supplements.