What is the difference between Disability Insurance Benefits (DIB) and Supplemental Security Income (SSI) in Social Security disability?
What is considered a disability?
DIB: Physical or Mental Impairment that last 12 months or more that prevents you from working a full-time job
SSI: Same as DIB
DIB: Must have paid in enough taxes in to Social Security recently to be eligible
SSI: No credit requirements
SSI: Household income and assets must be low enough to qualify
How Much Can I Get?
DIB: Depends on how much you have paid into Social Security
SSI: Currently, $637 maximum per month, but this decreases dollar for dollar with any income you have
Any Health Insurance Included?
DIB: Medicare: Eligible 2 years after you start receiving benefits
SSI: Medicaid: Eligible as soon as you are declared disabled
Can my children get benefits?
DIB: Yes. Children are entitled to a dependent’s benefit. But there is a family maximum.
SSI: Not as a result of your disability. Children must have a disability of their own.
Who are these Benefits For?
DIB: 1.) Anyone who has paid in enough to be insured 2.) Anyone who may be eligible on a spouse or parent’s work record
SSI: 1.) Adults of Retirement Age 2.) Disabled Adults Under Retirement Age 3.) Minor Children