First, let's define the terms.
SSI Disability is a phrase that is a little misleading. There are two programs we need to define and give clarity to our discussion. There is the acronym, SSDI, which denotes Social Security Disability Insurance. There is another acronym, SSI, which denotes Social Supplemental Income. They are distinctly different in their function and in their funding sources. SSDI is funded by the Social Security Administration. It will supply income to blind or disabled workers, adults disabled since birth, widow(er)s and the children of blind or disabled workers. Medicare will begin providing coverage for SSDI approved folks two years after their initial approval. The amount of money that is received is based solely on the Social Security earnings record of the claimant. On the other hand, SSI, is funded by general tax revenues. Those eligible for SSI are people over 65, adults who are disabled or blind and children who are disabled or blind. Those folks who are approved for SSI receive Medicaid. The amount of income they receive is based on income levels and whether or not the claimant meets "living arrangement" requirements. SSI is frequently supplemented by many State level programs.
Secondly, what initial steps should be taken to get SSI/SSDI benefits?
If you are facing financial obstacles due to any of the criteria we have mentioned then an inquiry can be made to the Social Security Administration concerning both SSI and SSDI. A simple internet search will lead easily to their websites where you can get toll free phone numbers and the addresses of local SSA offices. Application forms can be provided and they will also provide some general instructions regarding the process.
Third, the most important thing you can do is to seek an advocate to assist you in the process.
The reason I highly recommend SSI/SSDI advocacy in explaining how to get SSI disability is because this process is lengthy, detailed and nearly 75% of all applicants will be denied coverage upon their first attempt. The first attempt at approval will be followed by several appeals. Don't grow discouraged by the fact that this number is so high. It is just the way the system operates and it is the main reason that you need some professional help. Skilled SSI/SSDI attorneys and advocate services will make payment arrangements and you will only pay when you are accepted and have started receiving checks. These programs are part of a safety net to help those who have fallen through the cracks of our economic system.
If you feel you have a financial need that could be met by SSI or SSDI please check out the free report at How To Get SSI/SSDI Benefits or go to http://www.howtogetssi.blogspot.com/.
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