SSD is financed through an employee’s FICA tax. These benefits are a type of insurance for when individuals are unable to work anymore because of a disabling condition. It is important to know that if you stop working, the credits you accrued for SSD can only last, at most, five years after you stopped working continuously. This means that these work credits may expire if you stop working and do not apply for disability benefits. If an individual applies and is awarded benefits, the benefits would continue on regardless of expired work credits. That is why it is imperative to apply for SSD benefits as soon as you feel you are unable to work.
SSI benefits are part of a program through the Social Security Administration that helps low income people who are disabled. It is designed for individuals who may or may not have worked enough to have credits in the program, but are also disabled. The income requirements for SSI can often be complicated. To see if you meet the income requirements, call to speak with an attorney at our office. The Social Security Administration looks at your income, spouse’s income, if you have any children in your household and other resources that might be available to you when determining eligibility for SSI.
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To be awarded either benefit, you must meet Social Security’s strict definition of disability, which means your condition keeps you from working and has lasted or is expected to last at least one year or to result in death.
Social Security takes into account your medical condition, age, education, skills and past work experience. Navigating through the Social Security disability process can be complex. Contact the experienced Social Security disability attorneys at Berger and Green for a free consultation.