It is a common misconception that a person has to be in a wheelchair in order to receive disability benefits. The true standard is that you must be unable to perform standard work, and your condition either must have already lasted one year, have a projected duration of one year or have a fatal prognosis.
In fact, according to the Social Security Administration, there are numerous types of disability that may qualify for benefits, including respiratory disorders, speech disorders and even skin disorders. Mental health can also impact a person’s ability to work. The two types of programs are particular to the people who need them.
Social Security Disability Insurance (SSDI)
If you have worked for several years and have only recently become disabled, you may apply for SSDI. The Social Security taxes you have paid throughout the time of your working life will help you qualify for SSDI. It is somewhat easier to apply for than SSI. Your benefit amount will vary based on how much money you have earned up to now and how many years you have worked.
Supplemental Security Income (SSI)
SSI is entirely need-based, meaning that you do not have to have a specific work history or record of paying taxes. Because of this, the requirements are more stringent. You will need to complete a formal interview. Also, if you have high-value assets such as a car (even though you do not work), your benefit amount will be less. Do the research and inquire with the professionals to determine which type of disability insurance meets your needs.