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Which type of disability benefits is the right choice for you?

Disability benefits are available to certain individuals who are unable to work due specific types of medical conditions or mental impairments. If you cannot work because of your current physical or mental state, you could have a rightful claim to these benefits. It is helpful to understand eligibility requirements and which type of disability benefits is right for you.

The two types of disability benefits are Supplemental Security Income and Social Security Disability Insurance. West Virginia readers may know there are distinct differences between the two, and there are different requirements when applying for either of them. Before you move forward with your claim, you will find it beneficial to understand your rights and the specific options available to you.

Moving forward with the right option 

One of the most significant differences between these two types of disability benefits is eligibility. People who are eligible for SSDI are those who paid into the Social Security system through taxes. Consider the following about qualifying for SSDI benefits:

  • You must have a disability expected to last at least 12 months or for the rest of your life.
  • There is a five-month waiting period for SSDI benefits in order for the Social Security Administration to determine if the disability is valid.
  • You must have a work history and history of paying certain payroll taxes in order to qualify.

If you do not qualify for SSI benefits, that does not mean you are out of options. SSI benefits could be an option for you. Consider the following about SSI eligibility:

  • You must have a valid disabling medical condition.
  • You do not have to have a certain type of work history in order to qualify.
  • SSI benefits depend on a person's income, assets and other financial factors.

Disabled individuals often find it helpful to have assistance as they walk through the application process and the steps necessary to deal with a denied claim. 

Seeking the support you need

If you need disability benefits, it can be beneficial to first start with a complete evaluation of your case and explanation of your rights. The process of obtaining benefits can be complex and lengthy, but you do not have to walk through it alone. As soon as you decide to move forward with a claim for either SSDI or SSI benefits, seek the guidance you need to complete paperwork, avoid problems and bring your claim to a beneficial conclusion.

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