There are two main types of Social Security Disability Benefits: Supplemental Security Income (SSI) and Social Security Disability Insurance Benefits (SSDI or DIB).
SSI is a program for individuals who have not earned enough work credits to be eligible for SSDI (this includes children). In order for you to eligible for SSI, you must be below SSA’s income/asset level requirements AND you must be found disabled by SSA through the disability process. In 2020, the monthly amount of SSI is $783 for individuals and $1,175 for an eligible couple. This amount may be reduced if someone else is helping you financially.
SSDI is for workers who have earned enough credits to be insured for disability. SSA will calculate your date last insured and you must be found disabled before that date in order to receive SSDI. If you recently stopped working, this should not be a problem. But if you haven’t worked in years, your date last insured may be in the past and you may have a difficult time proving your case. The amount of money you will receive from SSDI depends on your salary history. Your children may also be eligible for a monthly payment.
This post was last updated in October 2019.