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Tuesday, July 1, 2008

Life after Disability through SSI benefits

What exactly is SSI Disability? What is its purpose?

SSI stands for Supplemental Security Income. It falls under Title 16 of the Social Security Act.

SSI is a program financed through general revenues and paid based on financial need. SSI disability benefits are payable to adults and children who have become disabled and with limited resources provided that they meet the living requirements under the program.

To be eligible to receive SSI, a disabled individual must have countable assets not exceeding two thousand dollars. Countable assets include the home other than the home in which a claimant lives and cars other than the car a claimant uses as his primary mode of transportation.

To my mind, SSI is more advantageous than the Social Security Disability Insurance (SSDI) because unlike SSDI, SSI is based solely on financial need. It does not consider whether one has work to entitle him or her for SSDI.

Moreover, there are people who have never worked all their lives because of incapacity or illness. These people may have been disqualified under the SSDI but may qualify for SSI benefits.

SSI benefits have been the refuge of people who are in financial crisis.

On one end however, I cannot help but think if SSI is the real solution. Will it not promote self-insufficiency? Will it not cause people to rely solely on this program rather than finding other source of living?

Well, I do not know, either. All I know is in this difficult times people need all available assistance to ease their financial burden.