Social Security Disability vs Supplemental Security Income: Which Is Right for Me After a Car Accident?
When people suffer from a car accident, they often face financial difficulties due to the inability to work. This can lead to a loss of income and an uncertain future when paying bills and supporting themselves or their family.
A car accident lawyer can help victims receive the necessary compensation for their injuries and loss of income. Here is more information about the two main disability benefits available in the United States and how they can help after a car accident:
Table of contents
Social Security Disability
Social Security Disability Insurance (SSDI) provides financial support to people who can’t work due to a long-term disability. This includes disabilities sustained from a car accident. To be eligible for SSDI, you must have worked and paid Social Security taxes for a certain amount of time before becoming disabled.
The amount of benefits you can receive depends on your earnings history. A car accident lawyer can help determine your eligibility for SSDI and guide you through the application process.
Supplemental Security Income
Supplemental Security Income (SSI) provides financial aid to disabled, blind, or elderly individuals with limited resources. This program is administered by the Social Security Administration (SSA) and is funded by general tax revenues.
To qualify for SSI, an individual must meet the financial eligibility requirements set by the SSA. This includes having limited income and resources, which are determined by the state in which they reside.
Income can include wages from employment, pensions, and government benefits. Resources include cash, bank accounts, real estate, and other assets.
Choosing Between SSDI and SSI
If you have become disabled after a car accident, you may be eligible for both SSDI and SSI benefits. When deciding which program to apply for, there are a few factors to consider:
Work History
SSDI requires a significant work history and payment into the program through payroll taxes. SSI may be the better option for you if you have not worked or do not have enough work credits. SSI is a needs-based program and does not require a work history.
The amount of benefits you receive will depend on your income and resources. SSI may be the better choice for financial assistance if you have a limited work history or cannot work.
Income and Resources
While both programs have financial eligibility requirements, SSI has stricter limits on income and resources. You could be eligible for SSI benefits due to limited income and resources, regardless of not fulfilling SSDI criteria.
Certain forms of income, such as child support and workers’ compensation, may not count towards SSI eligibility.
Medical Condition
Both SSDI and SSI have strict guidelines for qualifying disabilities. SSI requirements consider age, education level, and daily task performance ability. Carefully review the eligibility criteria for both programs and determine which best fits your specific disability.
Hire a Reliable Car Accident Lawyer
The decision between applying for SSDI or SSI after a car accident requires careful consideration of income and resources. Consult a car accident lawyer for guidance on choosing the suitable option for protecting your income.
Knowing the eligibility criteria for both programs and seeking expert advice will help you make an informed decision. Seek a knowledgeable car accident attorney to get started today.
