Have You Become Disabled & Can No Longer Work?

When you become disabled and can no longer work, you may worry about how you will support yourself and your family. Fortunately, the Social Security Administration (SSA) offers two programs that may provide you with much-needed financial assistance: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Read on to learn more about these programs and how they can help you if you live in Alabama.

What is Social Security Disability Insurance?

Social Security Disability Insurance is a federal insurance program that provides benefits to workers who are unable to work due to a disability. To qualify for SSDI, you must have worked long enough and paid enough into the Social Security system. If you meet these requirements, you may be eligible for benefits regardless of your age or income.

To determine if you are eligible for SSDI, the SSA will consider the severity of your disability and whether it is expected to last at least one year or result in death. You must also be unable to work in any capacity in order to qualify for SSDI benefits.

What is Supplemental Security Income?

Supplemental Security Income is a needs-based program that provides benefits to disabled adults and children who have limited income and resources. Unlike SSDI, you do not need to have worked or paid into the Social Security system to qualify for SSI. However, you must still meet the SSA’s definition of disability.

To qualify for SSI, your household income and resources must fall below certain thresholds. In Alabama, the maximum monthly SSI payment for an individual is $783 (as of 2020), and the maximum for a couple is $1,175.

How Do I Apply for Social Security Disability or SSI?

If you think you may be eligible for Social Security disability benefits, the best way to ensure that the process is seamless is to work with a Mobile, AL Social Security Attorney. Contact our office today to learn more about how we can help you.