Understanding the Two Social Security Disability Programs: DIB and SSI
Many people seeking Social Security disability benefits are not aware that there are two separate programs: Disability Insurance Benefits (DIB) and Supplemental Security Income (SSI). While both programs provide financial assistance to those who are disabled, the eligibility requirements and structure of each program differ.
Disability Insurance Benefits (DIB)
- DIB works like a traditional insurance program.
- While working, you pay FICA taxes (or self-employment tax), which earns you quarters of coverage.
- If you become disabled and have enough quarters, you may qualify for DIB.
- Monthly benefits are calculated using a formula based on your earnings record, which can be checked on MySSA.gov.
- This program generally provides higher benefits, but you must meet the work requirement.
Supplemental Security Income (SSI)
- SSI is an income-based program for those with limited assets and income.
- You do not need a work history to qualify.
- The standard for being “disabled” is the same as for DIB, but financial eligibility criteria differ.
If you have been denied Social Security disability benefits under either program, it is important to seek legal guidance to explore your options.
For more information or to schedule a free consultation, call 337-984-8020.
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