Though not many people may think about it, the Social Security Administration reports that one in four 20-year olds will become disabled prior to the age of 67. Because of this reality, it is important for disabled individuals to be familiar with Social Security programs that pay disability benefits before the disabled individual has reached retirement age.
There are generally two options that may be available for disabled individuals through the Social Security Administration. One option is Social Security disability which pays out benefits to disabled individuals who meet the disability and work requirements. Supplemental Security Income is the other option for disabled individuals who are of limited resources and income. These benefits are available for disabled individuals in different situations.
Social Security disability benefits are available to disabled individuals who suffer from a medical condition severe enough that it prevents them from engaging in substantial gainful activity. The SSA maintains a list of qualifying conditions for which disabled individuals can receive disability benefits. If the medical condition the disabled individual suffers from us not on the list, the Social Security Administration will evaluate the applicant’s disability claim and ability to work. The disabled individual will also need to have earned the necessary work credits to qualify for benefits.
For disabled individuals who lack the necessary work credits and work history, Supplemental Security Income may be an option to consider. Understanding the options, and how they apply to different situations, can help disabled individuals in different circumstances receive the benefits they need.