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Know which type of disability benefits could be right for you

Tennessee readers may know there are two main types of disability benefits available through the Social Security Administration: Supplemental Security Income and Social Security Disability Insurance. If you are unable to work because of a medical condition, you could be eligible for benefits through one of these two programs.

Understanding the differences between these two programs could help you understand more about the benefits to which you may be eligible and how to have a successful claim. Before you apply, it can be helpful to seek a complete evaluation of your case and explanation of the specific options that may be available to you through the SSA.

Which one is right for you?

Both SSDI and SSI are programs that exist for the benefit of helping people who are not able to work because of a medical condition. There are distinct differences between the two regarding eligibility requirements, and some of them include the following:

  • SSDI: This program is only available to individuals who have paid into the workforce through taxes. Applicants must have a work history of a certain length and documentation of an injury or illness expected to last for a period of at least 12 months.
  • SSI: Revenue from general taxes pays for SSI, and can be an option for people who may not qualify for SSDI because of a lack of work history. It is aimed at individuals with limited means. A person must have a valid disabling condition expected to last for at least 12 months, and eligibility and payment amounts depend on the applicant’s resources and financial capabilities.

Knowing more about the two types of programs and how you can get the support you need may be crucial as you prepare to walk through the complex claims process. Before you apply, know which program could be right for you.

Know how to fight for your rightful benefits

If you cannot work, you can experience financial hardship and other complications due to a lack of resources. Through either SSI or SSDI, you might be able to get benefits that could allow you to provide for your needs, support your family and enjoy a certain quality of life.

Many applicants find the claims process to be complex and confusing. You do not have to walk through it alone, but you can seek support and guidance as you figure out which is the most appropriate path and seek the disability benefits you deserve.

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