Summer is supposed to be a season of sunshine, barbeques, and carefree fun. But for many of us grappling with a disability, it can be a time of worry and uncertainty. If you’ve been struggling with a health condition that makes working difficult, you might be wondering, “Can I get help? Do I qualify for federal disability benefits?”

The good news is, there are actually two main federal disability programs available in the United States: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). They both offer financial aid for people with disabilities, but they have different requirements.

Think of SSDI as a safety net for folks who have a disability and a history of working. Here’s the lowdown:

• Disability: Your condition needs to be serious enough to qualify as a disability according to the Social Security Administration (SSA). This means it has to stop you from doing “substantial gainful activity” (SGA), which basically translates to earning over $1,310 per month (as of 2024).
• Work History: You’ll need to have worked recently and have enough Social Security credits earned through past jobs. The exact number of credits depends on your age when your disability started.

SSI: A Lifeline for Low-Income Individuals with Disabilities

SSI is different. It’s a need-based program that provides financial help to people with disabilities who have limited income and resources, regardless of their work history. Here’s what you need to know:

• Disability: Just like with SSDI, your disability needs to be severe and meet the SSA’s definition.
• Income and Resources: There’s a limit on how much income and resources you can have to qualify. The SSA adjusts these limits every year.

Applying for Benefits: Be Prepared, Not Scared

The application process for both SSDI and SSI can feel overwhelming. Here are some tips to boost your chances of getting approved:

• Gather Medical Proof: The more medical evidence you have, the stronger your case. Collect medical records, doctor’s reports, and any test results that show the impact of your disability.

Federal disability benefits can be a lifesaver for people with disabilities. But qualifying for these programs isn’t always easy. If you’re unsure if you meet the criteria, don’t be afraid to reach out to the SSA for more information. Remember, information is your best weapon. Take that first step towards getting the benefits you deserve, and don’t let summer become a season of worry.