Social Security Disability

About Social Security Disability Benefits
Social Security Disability Benefits (SSDIB) are monthly cash benefits paid to disabled persons who are covered by Security Disabilty Insurance. To qualify for SSDIB you must be "disabled" according to Social Security's rules and you must have kept your disabilty insurance premiums "paid up" at least through the date you became disabled. You pay your disability insurance premiums when you have FICA withheld from your wages or by paying self-employment tax. If you have worked for FICA wages or paid self-employment taxes for 20 of the last 40 quarters before you became disabled (approximately 5 of the last 10 years) you will have "paid up" disability insurance.

The amount of money you will actually get from SSDIB depends on the amount of money you paid into Social Security. The more you have paid the higher your monthly benefit. Benefits are adjusted each year for inflation. Some people who get SSDIB can also get SSI because their SSDIB payments are below the federal guaranteed amount for disabled persons. After you receive 24 months of SSDIB payments you automatically qualify for Medicare.

About SSI Benefits
SSI stands for Supplemental Security Income. SSI is a monthly cash payment from the federal government. Congress set up SSI to help low income people. To qualify for SSI you must be blind, disabled (according to the Social Security Rules) or over 65 and also pass a financial need test. If you qualifiy for SSI the federal government will make monthly payments to you that will bring your total income (including other income) up to a guaranteed level ($674 per month in 2009). This guaranteed level is adjusted each year for inflation. In most states a person who receives $1 of SSI will automatically qualify for Medicaid.