SSI and SSDI Provide Disability Cash Benefits to Those Who Qualify

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    What do you do if you are unable to work because of a disabling medical condition and you have very few personal income sources to fall back on? You may be eligible for one or both of the federal disability benefits programs available to qualifying individuals who need the security of supplemental income.

    The Social Security Administration (SSA) provides two income benefits programs for people with disabilities: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Your work history and your personal resources are the two most important factors in determining your eligibility for either program if you have a medical condition that meets SSA’s definition of a disability.

    SSI for People with Disabilities

    The Supplemental Security Income (SSI) program is a needs-based program. Eligibility for SSI is determined by what resources and income you have, where and how you live, and your medical condition.

    If you are single, your personal resources can be worth no more than $2,000; if married that amount is $3,000. Resources are things you own that are used to support you. However, not everything you own counts as a resource. The home you live in and the car you use for transportation, for example, are not counted.

    How much income you have determines the amount of your SSI benefit, which is broken down into earned and unearned sources. In simplest terms, everything except wages from work or self-employment is counted as unearned income. Your living arrangement is also a key factor in determining your countable income. The Social Security Administration’s Web site provides details on how countable resources and income are calculated.

    The basic maximum monthly SSI payment in 2010 is $674 for an individual and $1,011 for an eligible couple, but this amount could be more depending on your state. Some states add supplements to the basic SSI payment. Also, you may be eligible for other social services to further help you such as Medicaid and food stamps.
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