For many Americans, our lives are defined by our jobs. Whether it be working in an office or outside on a construction site, our jobs are a title that we carry with us for years. But what if you’re disabled? What if you are limited in the types of duties you can perform, or can’t work at all due to injury or physical limitations? Fortunately, there are options out there.
Started in 1935, the Social Security Administration was founded with the simple idea of providing income to American citizens who were incapable of being in the workplace. Either due to old age or disability, all Americans are afforded the right and privilege to earn a modest living. But not everyone qualifies for the same benefits. Within the SSA, there are different classifications of benefits awarded, depending on the factors of your case. If you are not at retirement age (65), these are broken down into SSDI and SSI. But what is the difference between them?
SSDI stands for Social Security Disability Insurance, and it is only awarded to applicants who have worked a number of years and paid into the program. If you’ve ever wondered what the SS tax on your check was for, this is it. SSDI is also only awarded to people who are under the retirement age. Under this plan, your spouse and children may be eligible for additional benefits, called auxiliary benefits. If you are awarded SSDI, however, there is a five-month waiting period before they start paying out. How much can you earn? It depends on your previous income level and how many years you paid into the system. This manifests as “work credits”, and the more you have, the more you can be qualified for. If you are eligible for SSDI, contact a Social Security Disability lawyer in Baltimore to find out what additional benefits may be offered in Maryland.
SSI stands for Supplemental Security Income, and it is awarded to anyone who needs it, regardless of work history or amount paid into the program. SSI is based solely on the applicant’s limitations with regards to work capabilities. To qualify for SSI, though, you cannot have over $2000 in assets ($3K for couples), and you cannot earn over a certain amount. SSI benefits also include Medicaid and Food stamps, and, if awarded, begin immediately.
So which program should you apply for? Given the terms of each option, it should be relatively obvious what system would be right for you. If you have questions or want to find out what the process is to apply, contact a local Social Security Disability Lawyer in Baltimore. They will be able to assist you with filing a claim and navigating the sometimes labyrinthine filing process to ensure that you get all the benefits you deserve.
