Are There Different Types of Disability Benefit Programs?

By: Andrew Price, Founding Partner Collins Price

Short Answer: Yes!  There are two disability programs that may provide benefits: Social Security Disability Insurance Benefits (DIB) and Social Security Supplemental Security Income (SSI).

Long Answer: Individuals may file an application under a particular program, or both concurrently.  Social Security Disability Insurance Benefits (DIB) are for disabled workers and certain dependents.  A person applying for DIB benefits will have worked enough to obtain the number of work credits required to be eligible for benefits.

You must also have earned a certain amount of money each year and have had taxes withheld from your pay to receive credits.  If you have worked steadily for at least five of the last ten years, you will often meet the non-medical requirements for DIB Benefits.

Supplemental Security Income (SSI) is need based.  It is a public assistance program for the elderly, disabled and blind.  SSI benefits are not related to an individual’s earnings.  The Social Security Administration may factor in income, resources, or financial aid into whether you qualify for SSI Benefits.

At Collins Price, we help clients determine which program they qualify for on the basis of their work history and past earnings. Then, we help them apply for those programs accordingly.