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Do you know the difference between SSD and SSI benefits?

When Los Angeles residents are suffering from a disability and are unable to work, or if they are earning such a meager income that making ends meet is next to impossible, they probably aren't all that concerned about legal terms and the phrasing of different federal government programs. But, when it comes to submitting an application for federal benefits that could help, knowing the different aspects of the programs can be crucial. So, what do our Los Angeles readers need to know about the differences between Social Security Disability benefits and Supplemental Security Income benefits?

First, both programs involve financial assistance for people who are suffering from a disability of some kind. However, that is really where the similarities end. Social Security Disability benefits are based on a person's work history and these benefits will not be awarded to a person who does not have the requisite amount of work credits to qualify. Supplement Security Income benefits, on the other hand, can be awarded to disabled children who have never worked a day in their life due to their disability.

Next, in addition to a person's work history, the Social Security Administration also reviews an application for SSD benefits to see if the applicant is capable to maintaining employment in any other type of work besides what the person did before the disability. For SSI benefits, however, the SSA will examine a person's total income from all sources, which may not include income from employment at all.

The funding for the two programs is different as well. SSD benefits are covered by funds that workers throughout America contribute as part of payroll taxes. SSI benefits are paid out from the general tax revenue that is collected by the federal government.

Source: FindLaw, "What is the Difference Between SSDI and SSI?," Accessed Jan. 29, 2016

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