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First, as a way to have Social Security Disability, you need to have an earnings record and explain to you are disabled. Housewives come in my opinion and say "Why cannot I get disability?" I reply, "Where is your income record?" Self-employed people call me and say, "Where is my disability?" I respond, "Did you ever file taxes and pay into Social Security?" People who are paid in cash or beneath the table contact me and ask for Social Security. I say, "You only move out everything you paid in, it's not only a free ride."

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Second, for SSI, one does not need an earnings record. You have only to demonstrate you are disabled. But SSI can be a welfare program and though its name is Supplemental Security Income it probably really should have been called "Welfare Disability." As a welfare program, there is a means test. This means even should you are disabled you cannot receive SSI if you have either assets or income. In 2006, you cannot have over ,000.00 in cash assets and expect to be entitled to a SSI. The same housewife who cannot obtain Social Security may also 't be capable of obtain SSI because (1) she gets other unearned income; (2) her husband has excessive income; and (3) she or her husband has a lot of assets.

Third, the Social Security benefit is dependent for the earnings the worker paid in and may be of up to ,053.00 per month. Many ask me, "Why isn't my benefit higher?" My answer always is, "You escape everything you paid in." Working in a minimum wage job just isn't likely to result in a very very high benefit. Not working to get a variety of years can be planning to result inside a lower benefit. On one other hand, the utmost SSI amount a person can receive in 2006 is 3.00 each month but this doesn't depend upon earnings.

Fourth, someone on Social Security Disability also can expect a payment to dependent children around age 18 or until the little one graduates from high school. The dependent children share equally about 50% of the parent's benefit. On the other hand there is no dependent care benefit for any person receiving SSI. People on SSI will frequently call me and say "Where is my child's check?" Regretfully, I need to let them know SSI has no child benefit.

Fifth, Social Security Disability & SSI are similar in a way. The disability test could be the same.

Sixth, if you apply for Disability, Social Security will first check in case you are qualified to receive Social Security Disability before allowing you to apply for SSI. Generally, if the Social Security check is more than 3.00, you'll not entitled to SSI. On the opposite hand if your Social Security check is lower than 3.00, you might be capable of receive a small SSI check which means that your total benefit is all about 3.00 per month.

In Summary, every time a person says I am on "disability" or I want "disability", there is a big difference between SSI and Social Security Disability. Remember SSI is a welfare benefit & Social Security Disability is definitely an earned benefit.

Copyright© 2006, Jerry Lutkenhaus. ALL RIGHTS RESERVED

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