Understanding the various types of Social Security Disability benefits is important when exploring disability assistance.
While benefits provide support to individuals unable to work due to disabilities, the different programs serve a distinct purpose and have specific eligibility criteria.
1. Social Security Disability Insurance
SSDI is a program that offers financial assistance to individuals who have worked and paid Social Security taxes for a specified number of years. In 2022, 1,804,384 Americans applied for these benefits. To qualify for SSDI, applicants must meet certain work history requirements and have a qualifying disability. The individual’s work history and earnings determine the amount of SSDI benefits.
2. Supplemental Security Income
SSI is a need-based program that provides financial aid to disabled individuals with limited income and resources. Eligibility for SSI is not contingent on work history. Instead, factors such as income, assets and disability status determine it. SSI benefits cover basic living expenses like food, shelter and clothing.
3. Disabled Adult Child Benefits
DAC benefits are available to dependent adult children of individuals receiving Social Security retirement or disability benefits. To qualify for DAC benefits, the adult child must have become disabled before the age of 22. These benefits are typically a percentage of the parent’s Social Security retirement or disability benefit.
4. Disabled Widow/Widower Benefits
Disabled surviving spouses may be eligible for disabled widow or widower benefits. To qualify, the widow or widower must be at least 50 years old and meet specific disability criteria. These benefits can provide financial assistance to individuals who have lost their spouse and are coping with a disability.
Knowing which type of benefit you may qualify for can help you navigate the application process and access the support you need during challenging times.
