Re: FYI - Differences between SSDI and SSI/SSP

[Guest guest]

,

Thank you so much for the info. That is why I love this group, you just learn so much.

God Bless,

Hugs,

Gloria from Ok>> Since we are discussing applying for Social Security Disability, I > thought I would toss in the differences between the different types > of disability benefits, and the acronyms:> > SSA - Social Security Administration> > OASDI - Old Age Survivors Disability Insurance> > SSDI - Social Security Disability Insurance> > SSI - Supplemental Security Income> > SSP - State Supplemental Payment> > Medicare - The Federal Health Care program for people receiving Old > Age or Disability Insurance.> > Medicaid - The State run Health Care program for Children, Disabled, > and people over 65 years of age.> > -----------------------------> > SSA is the Federal Agency that administers the Social Security > programs. Disability portions of SSA are determined by State > agencies.> > OASDI - The insurance program we pay into for Social Security > benefits. If you look on your pay stub you will see a OASDI > deduction and a MEDICARE deduction, these were separated a few years > ago.> > SSDI - The Social Security program for disabled people if they are > under their retirement age, including children. There are no income > or property limits* on SSDI.> > SSI - SSI is a supplemental payment that will bring their total > income on SSDI up to their State's SSI income level. Your State > determines the amount of money in a SSI check and the benefits > included with it. Most states you are automatical eligible for > medicaid, in some states you also receive some Food Stamp money. > Since this is a aid payment there will be income and property* limits.> > SSP - Not available in all states. Some states will aid people > without work history and in other situations.> > * A property limit is the total value of your cash, bank accounts, > value of cars and house, etc. There are hundreds of pages of > regulations regarding what does and does not get counted, each state > can and does vary. See someone at your local Legal Aid, Welfare > Rights or Social Services(not SSA) Office for additional information. > > Medicare - The Federal program for OASDI recipients medical > benefits. Parts A (hospital), B (out patient, doctors visits, etc.) > and the new D (pharmacy). > > Medicaid - The State administered Medical program. To apply for > medicaid because of disability and are between the ages of 21 and > 65. You will complete a disability evaluation similar to SSA, but > usually shorter. There are income and property limits these can vary > between states. If you are over 65 or have children under 21 living > in the home, you may be eligible to other Medicaid programs. You can > apply for Medicaid even if you are working, that is called the > working disabled program. If you are on SSDI or SSI, and receive > Medicaid, Medicaid will pay for the Part B deduction of Medicare. > Most states are using some form of HMO with their Medicaid system, > which is an improvement, if you were on Medicaid before and had a > hard time finding a doctor. Medicaid can help you fill the gap > before you get Medicare.>

[Guest guest]

Okay, I am very confused now. I attempted to apply for disability

benefits, but was told I do not have enough points in order to apply.

Can I apply under the SSDI? All of this really confuses me. Any help

would be greatly appreciated.

Kenajean

[Guest guest]

Were you applying for disability with SSA?

For SSA disabiliy. If you are 30 years of age or older you need 20

quarters of work history in the past 10 years. IF you are between 18

and 29 the number of quarters is less, it starts out with 6 quarters

if your are between 18-24.

A quarter is a 3 month period Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec.

The quarters can be sporadic, and add up to having earnings in half

of the past ten years of quarters. For the math challenged there are

40 quarters in a ten year period. You can ask SSA to send you a

report of the quarters you have worked.

So when SSA said you did not enough quarter, that is probably what

they are saying. That you have not worked 20 out of the last 40

quarters. What this means is that you do not qualify for SSDI. That

said, you still qualify for SSI and you should apply for that. You

might want to go back to the same office your went to and ask why

they didn't recommend that. Talk to a different person and their

supervisor if you don't like the response you get from the office

staff.

Also, for any negative action for any SSA or aid, get it in writing

and appeal it. NEVER accept a verbal " NO " , you cannot appeal unless

there is paperwork or proof that you applied. If for nothing else

than to have someone else to take another look at your case and

explain what is going on.

For State temporary disability, I can only speak for the state I live

in, California, you must have paid into SDI(State Disability

Insurance). The amount of benefits you receive is based on the

amount of income you have earned in the past two years. If you have

not made the minimum earnings, then you might not be eligible.

Let me know if this answered your questions.

C.

>

> Okay, I am very confused now. I attempted to apply for disability

> benefits, but was told I do not have enough points in order to

apply.

> Can I apply under the SSDI? All of this really confuses me. Any

help

> would be greatly appreciated.

>

> Kenajean

>

[Guest guest]

http://www.ssa.gov/disability/ is the website for SSA Disability and

has information on both SSDI and SSI. May as well get information

straight from the horses mouth so to speak. Also on the

www.butyoudontlooksick.com/boards where is a Social Security list

with an excellent moderator that will answer questions.

And so not to confuse folks. Points equal Credits equal Quarters.

Just the same way of saying the same thing. Yes, I speak fluent

bureaucrat.

I got this from the from the SSA Disability website:

http://www.ssa.gov/dibplan/dqualify2.htm

In addition to meeting our definition of disability, you must have

worked long enough--and recently enough--under Social Security to

qualify for disability benefits.

Social Security work credits are based on your total yearly wages or

self-employment income. You can earn up to four credits each year.

The amount needed for a credit changes from year to year. In 2006,

for example, you earn one credit for each $1000 of wages or self-

employment income. When you've earned $4,000, you've earned your four

credits for the year.

The number of work credits you need to qualify for disability

benefits depends on your age when you become disabled. Generally, you

need 40 credits, 20 of which were earned in the last 10 years ending

with the year you become disabled. However, younger workers may

qualify with fewer credits.

IMPORTANT: Remember that whatever your age is, you must have earned

the required number of work credits within a certain period ending

with the time you become disabled. Your Social Security Statement

shows whether you meet the work requirement at the time it was

prepared. If you stop working under Social Security after the date of

the Statement, you may not continue to meet the disability work

requirement in the future.

Go to the next page to learn what we mean by " disability. "

> > >

> > > On 1/26/07, kenajean <kenajean@...> wrote:

Okay, I am very confused now. I attempted to apply for disability

benefits, but was told I do not have enough points in order to

apply. Can I apply under the SSDI? All of this really confuses me.

Any help would be greatly appreciated.

Kenajean