Two Kinds of Disability Insurance Benefits

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The Two Kinds of Disability Benefits

Social Security offers benefits for the retired, the disabled, and members of their families. Disability benefits include both Social Security Disability Insurance Benefits (DIB) and Supplemental Security Income (SSI).

disability insurance benifits

Social Security Disability Insurance

  • Social Security Disability Insurance Benefits (DIB) are based on Social Security (payroll) taxes, so to qualify, you must have accumulated “credits” resulting from work experience.
  • To receive benefits you must also be so severely disabled that you cannot do “substantial gainful” work.

Supplemental Security Income (SSI)

  • To qualify for SSI, you must have severe financial need.
  • To receive SSI benefits, you must also be:
    • blind, or
    • so severely disabled that you cannot do “substantial gainful” work, or
    • at least 65 years of age.

If you can work but only with accommodation from your employer, you can still apply for either (or both) of these disability programs. A lawyer can assist you in avoiding any traps or pitfalls that may occur.

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