The Social Security Administration (SSA) runs many programs that confuse people. They might apply for the wrong program and face denial. Know which to apply for to get the right benefits.
Social Security (SS)
Most people know SS benefits, which often mean retirement benefits. You pay into this program while working through payroll taxes (FICA). It’s not a pension but a government social insurance program.
Social Security Disability Insurance (SSDI)
The SSA also runs SSDI and funds it through payroll taxes. Unlike SS, SSDI only pays eligible people who cannot work due to disability. You need enough work credits to qualify and meet the SSA’s disability definition.
Supplemental Security Income (SSI)
SSI is different. You don’t pay into it, and general taxes fund it. People with limited incomes and no work history can get SSI.
Other social programs
Other programs that deal with disability and healthcare include:
- Medicare: Gives health insurance to people 65+ and some younger disabled people.
- Medicaid: Joint federal-state program for low-income people’s health coverage.
- Veterans Affairs (VA) Benefits: It offers healthcare and disability pay to veterans and their families.
- Temporary Assistance for Needy Families (TANF): Gives financial help to low-income families with kids.
- Unemployment Insurance: Gives short-term help to jobless workers.
- Workers’ Compensation: Gives benefits to injured workers.
- State Disability Insurance (SDI): Offers short-term disability benefits in some states.
People also often mix up the following programs:
- Medicare and Medicaid (similar names)
- SSDI and VA Benefits (both give disability benefits)
- SSI and TANF (both help those in need)
- SSDI and Unemployment (both give income support)
- SSDI and Workers’ Comp (both help those who cannot work)
- SSDI and SDI (both provide disability benefits, but SDI is short-term)
These many programs can make claiming benefits difficult. It might be too much for some people. However, do not worry—skilled professionals can help explain all this in more detail.