Should I Apply for Social Security Disability Income or Supplemental Security Income?

Social Security Disability Income

You can only receive Social Security Disability Insurance if you have paid taxes for a certain length of time. In order to withdraw, the Social Security Administration must have decided you have worked 40 work credits, with 20 of those being earned within the last five years. You can qualify with fewer credits if you are working full-time. You can earn four credits per year. If you have worked a full-time job five out of the last ten years, you can qualify, unless you are under 31 years of age.

Supplemental Security Income

These benefits do not have any employment requirements. SSI benefits are typically offered to blind and disabled children or to those who do not have many sources of income. In order to qualify, you must meet the standards set by the Social Security Administration. The income requirements for SSI vary state to state. The monthly benefit awarded to you is decided by Social Security.