Easiest Way To Determine If You Receive Social Security Disability Insurance Or Supplemental Security Income

One of the most frequently asked questions at Social Security is “Do I receive Social Security Disability Insurance or Supplemental Security Income?” Both programs pay disability benefits, so sometimes people are uncertain which program pays their benefit.

Do you want to know the easiest way to resolve the question? By using your my Social Security account. If you don’t have one, you can set one up here: https://www.ssa.gov/myaccount/.

Log into your account and view the Benefit Verification information. The letter lists the type of benefit you receive. You can print or save this letter for your records.

There are some differences between the two programs based on function and funding.

Social Security Disability Insurance requires an individual to pay the FICA tax on wages to become entitled to a benefit. Amounts required vary based on the age of the worker at the time they become disabled.

Supplemental Security Income has no work requirement, but it does have requirements about how much income and resources the disabled person can have and still be eligible for the program. SSI (Supplemental Security Income) works to provide a minimum benefit for those who may not have worked enough to qualify for Social Security Disability Insurance (SSDI) benefits.  The SSI program also pays benefits to disabled children, blind individuals and those over age 65.

The SSDI payment amount is based on the worker’s averaged earnings. SSI payment amounts (Federal Benefit Rate) are set by law nationally .

SSDI payments come from the Social Security Trust Fund. Workers paid the FICA tax while they were working to become insured for benefits. SSI payments come from the general tax revenues.

When a person first starts to receive benefits from Social Security, they receive an Award letter which gives them important payment information including the type of disability benefit they receive. They should keep it in a safe place as a reference to what type of benefit they receive. If they have misplaced the letter, they can always find the current information about their benefits (including the type) by using their my Social Security account. Once you have set up your account, it really is the fastest and easiest way to verify benefit information.