Disability benefits

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Disability benefits are funds provided from public or private sources to a person who is ill or who has a disability.

United Kingdom[edit]

In the United Kingdom disability benefits are covered by Department for Work and Pensions, and include:

United States[edit]

In the United States, disability benefits for most Americans are covered and paid for by the Social Security Administration (a government agency). There are two main programs administered by the SSA; Social Security Disability Insurance program (SSDI) and the Supplemental Security Income (SSI) program. There is also a specific program for children with disabilities.

Social Security Disability Insurance provides benefits to individuals who have worked and paid Social Security taxes. Insurance eligibility is dependent upon Quarters of Coverage (QCs), commonly called "work credits". These are allotted based on the earnings for each quarter the individual has worked.[1] Work credits ensure coverage until they "expire" on the individual's Date Last Insured (DLI). Medical evidence must prove that the onset of disability was before their DLI to receive benefits.[2] SSDI recipients become eligible for Medicare after two years of SSDI eligibility.[3]

Supplemental Security Income (SSI) provides benefits to low-income individuals who are disabled and unable to work, regardless of whether they have worked in the past. Individuals must meet income and resource requirements.[4] SSI also provides benefits to children under 18 years old, who are disabled and whose parents or guardians have limited income.[5] The monthly SSI payment is calculated based upon the Federal Benefit Rate (FBR), and the individual's income.[6] Most SSI recipients are immediately eligible for Medicaid[7] and Supplemental Nutrition Assistance Program (SNAP),[8] though program requirements vary by state.

Some individuals are eligible for both SSI and SSDI.[9]

References[edit]

  1. ^ "Quarter of Coverage". Social Security Administration. Retrieved 12 October 2018.
  2. ^ "Program Operations Manual System (POMS): DI 25501.320 - Date Last Insured (DLI) and the Established Onset Date (EOD)". Social Security Administration. Retrieved 12 October 2018.
  3. ^ "Original Medicare (Part A and B) Eligibility and Enrollment". Centers for Medicare & Medicaid Services. 3 November 2015.
  4. ^ "Understanding Supplemental Security Income (SSI)-- SSI Eligibility". Social Security Administration.
  5. ^ "Understanding Supplemental Security Income (SSI)-- SSI for Children". Social Security Administration. Retrieved 12 October 2018.
  6. ^ "Understanding Supplemental Security Income (SSI)-- SSI Income". Social Security Administration. Retrieved 12 October 2018.
  7. ^ "Supplemental Security Income (SSI) Disability & Medicaid coverage". HealthCare.gov.
  8. ^ "SNAP Special Rules for the Elderly or Disabled". Food and Nutrition Service. United States Department of Agriculture. Retrieved 12 October 2018.
  9. ^ "The Red Book - Overview of Our Disability Programs". Social Security Administration. Retrieved 12 October 2018.