The Social Security Administration (SSA) offers four major types of benefits:
- Disability benefits;
- Retirement benefits;
- Benefits for spouses and/or other survivors of a family member who has passed; and,
- Supplemental Security Income (SSI)
The first two are benefits given to Social Security members or employees (and to family members of employees, as in the case of the third type of benefits) who have worked in jobs covered by Social Security and who have earned the number of credits required by the SSA. A maximum of four Social Security credits are earned annually through payment of Social Security taxes. These taxes, which are identified as Federal Insurance Contributions Act “FICA,” payments, are automatically deducted in employees’ monthly take home pay.
The Supplemental Security Income (SSI) or State Supplementary Payment (SSP), on the other hand, offers cash assistance payments to:
- Adults who are disabled and have limited income and resources;
- Children who are disabled and who have limited income and resources; and,
- Individuals at least 65 years old who may be without any disability, but who meet the financial limits set under the federal benefit rate (FBR).
This cash assistance payment is meant to provide for its recipients’ basic needs, such as food, clothing, and shelter. For SSI purposes, the word “disabled,” is defined as physical or mental impairment and emotional or learning problems that:
- Have lasted or is expected to last for a continuous period of at least 12 months;
- Can be expected to result to severe functional limitations (in the case of children) or in the inability to perform any substantial gainful activity (in the case of adults); and,
- Can be expected to result in the disabled person’s death.
With regard to the words “income” and “resources,” “income” refers to :money earned from work; money received from Social Security benefits, Workers Compensation, the Department of Veterans Affairs, unemployment benefits, friends or relatives; and, free food or shelter. “Resources refers to things personally owned, like cash, bank accounts, U.S. savings bonds, stocks, life insurance, land, vehicles, personal property, and whatever can be converted to cash and used for food or shelter.
As explained by an Indianapolis Social Security Disability lawyer of the Hankey Law Office, the Social Security system offers a special form of financial assistance for people who are elderly, injured, or ill as well as impoverished. However, applying for SSI benefits can be daunting due to the practice of evaluators to reject applications even for minor errors. The many requirements and the complex application process may bear faster and more positive results if these are to be entrusted to a seasoned SSI claims lawyer.Read More