SSDI

1

• SSDI
• SSI
• Age
• Key Points
• Substantial Gainful Activity

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Two Disability Programs

• Social Security Disability Insurance (SSDI)
• Title 2 of the Social Security Act
• Supplemental Security Income (SSI)
• Title 16 of the Social Security Act

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Social Security Disability Insurance -- SSDI
(Title II benefits)

• Pays workers under age 65, who are disabled or
  blind and their dependents
• Disabled Individual Beneficiary (DIB)
• Childhood Disability Benefits (CDB)
• Disabled Widow or Widower Benefits (DWB)
• Worker must be insured, i.e., have paid into the
  Trust Fund
• Eligible for Medicare after 24 months

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Supplemental Security Income - SSI(Title XVI)

• Pays people who are aged, blind or disabled
  including minor children with disabilities
• Income and asset limits
• No benefits paid to dependents
• Benefits paid from general tax fund, not the
  Social Security Trust Fund
• Eligible for Medicaid

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Definition of Disability Adult Age 18

• The inability to engage in any substantial
  gainful activity (SGA) by reason of any medically
  determinable physical or mental impairment(s)
• which can be expected to result in death
• or which has lasted or can be expected to last
  for a continuous period of not less than 12
  months.
• (If individual received SSI before 18 will need
  to be re-evaluated to see if they meet adult
  criteria.)

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Keep in mind.

• It is possible to receive benefits under both
  programs (concurrent benefits)
• An SSI recipient who works, may one day be
  insured for SSDI
• An individual found disabled prior to age 22 at
  some time could be eligible for Childhood
  Disability Benefits (CDB) on a parents record
  (retired, disabled or deceased)

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Substantial Gainful Activity (SGA)

• Important part of the eligibility process
• Used in determining initial disability (other
  than blindness) for both SSI and SSDI
• 860 for 2006 (1450 if blind)
• Claim is denied at initial application if current
  SGA is established
• After SSI benefits start, SGA is not a
  consideration
• Income is used only to determine SSI benefit
  amount