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SSDI SSI Age Key Points Substantial Gainful Activity. Two Disability Programs. Social Security Disability Insurance (SSDI) Title 2 of the Social Security Act Supplemental Security Income (SSI) Title 16 of the Social Security Act.
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SSDI SSI Age Key Points Substantial Gainful Activity Cathy Chambless, Utah State University
Two Disability Programs • Social Security Disability Insurance (SSDI) • Title 2 of the Social Security Act • Supplemental Security Income (SSI) • Title 16 of the Social Security Act Cathy Chambless, Utah State University
Social Security Disability Insurance -- SSDI – (Title II benefits) • Pays workers under age 65, who are disabled or blind and their dependents • Disabled Individual Beneficiary (DIB) • Childhood Disability Benefits (CDB) • Disabled Widow or Widower Benefits (DWB) • Worker must be insured, i.e., have paid into the Trust Fund Eligible for Medicare after 24 months Cathy Chambless, Utah State University
Supplemental Security Income - SSI(Title XVI) • Pays people who are aged, blind or disabled – including minor children with disabilities • Income and asset limits • No benefits paid to dependents • Benefits paid from general tax fund, not the Social Security Trust Fund • Eligible for Medicaid Cathy Chambless, Utah State University
Definition of Disability – Adult Age 18 • “The inability to engage in any substantial gainful activity (SGA) by reason of any medically determinable physical or mental impairment(s) • which can be expected to result in death • or which has lasted or can be expected to last for a continuous period of not less than 12 months.” • (If individual received SSI before 18 will need to be re-evaluated to see if they meet adult criteria.) Cathy Chambless, Utah State University
Keep in mind…. • It is possible to receive benefits under both programs (concurrent benefits) • An SSI recipient who works, may one day be insured for SSDI • An individual found disabled prior to age 22 at some time could be eligible for ChildhoodDisability Benefits (CDB) on a parent’s record (retired, disabled or deceased) Cathy Chambless, Utah State University
Substantial Gainful Activity (SGA) • Important part of the eligibility process • Used in determining initial disability (other than blindness) for both SSI and SSDI • $860 for 2006 ($1450 if blind) • Claim is denied at initial application if current SGA is established • After SSI benefits start, SGA is not a consideration • Income is used only to determine SSI benefit amount Cathy Chambless, Utah State University