Schneider, Kerr & Robichaux
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There are five major types of disability claims you may file with the Social Security Administration:
Social Security Disability benefits (SSD) are generally available to individuals who worked (and paid employment taxes) for five out of the ten years prior to becoming disabled. (For individuals 31 or younger, the requirements are different, taking into account the shorter period of time they have had to earn work credits.) Payments are based on the worker’s earnings record.
Supplemental Security Income (SSI) is a welfare program available to disabled individuals who are poor, whether or not they have ever worked. SSI has strict income and resource requirements which can reduce or eliminate an individual’s eligibility
Disabled Widow’s or Widower’s Benefits (DWB) are available to individuals who are between 50 and 60 years of age, and who became disabled within a certain period of time following the death of a spouse or ex-spouse to whom they had been married for at least ten years. Payments are based on the earnings record of the deceased spouse.
Disabled Adult Child’s Benefits (often referred to as CDB, for Childhood Disability Benefits) are available to unmarried individuals who became disabled before age 22, and who have at least one parent who is receiving SSD; who is receiving Social Security Retirement (SSR) benefits; or who is deceased and had been eligible to receive SSD or SSR benefits. Payments are based on the earnings record of the parent.
Children’s Supplemental Security Income is for children under 18 who are disabled. As mentioned above, SSI is a welfare program and certain financial eligibility criteria apply.