When it comes to Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), beneficiaries often have questions that impact their financial well-being. From understanding how marriage affects your benefits to reporting income while working, these are the top 6 concerns people face. In this article, we’ll break down these common questions and help you gain a clearer understanding of how these programs work, ensuring that you have the information needed to manage your benefits effectively.
Is there a waiting period for Social Security Disability Insurance (SSDI) benefits?
Yes, SSDI benefits typically have a five-month waiting period, starting from the month after the SSA determines your disability began. This means that while you can apply as soon as you're unable to work, it takes time for your claim to be processed and for the waiting period to end. Once it’s complete, you
will begin receiving your monthly benefits. During this time, it’s important to continue meeting all SSA eligibility requirements to avoid delays in your payments.
Will my disability benefits be reduced if I get workers' compensation or other public disability benefits?
In some cases, your SSDI benefits may be reduced if you receive workers' compensation or other public disability benefits. The SSA has specific rules for offsetting benefits when combined with workers’ compensation, and if the total of your SSDI and the other benefits exceeds a certain limit, adjustments will be made. For example, your SSDI payments could be reduced to avoid exceeding the maximum amount allowed for your combined benefits. It’s important to report these other benefits to the SSA to ensure accurate calculations.
Can I qualify for Social Security disability benefits if I get veterans' benefits?
Yes, you can qualify for SSDI even if you are receiving veterans' benefits. The SSA does not consider veterans’ benefits when determining SSDI eligibility, meaning that receiving benefits from the VA won’t disqualify you from applying for SSDI. However, both benefits are intended to support you in different ways. Veterans' benefits are generally awarded for service-related injuries or conditions, while SSDI is based on your inability to work due to disability. It’s possible to receive both benefits at the same time, depending on your circumstances.
If I get married, will it affect my benefits?
If you receive SSDI, marriage does not affect your benefits. SSDI is based on your work history and disability status, so marrying will not change the amount you are entitled to receive. However, for those receiving SSI, marriage can impact your eligibility and payment amounts. SSI considers both your income and resources, and getting married may increase your household income, which could potentially reduce your benefits. It’s important to report any changes in your marital status to the SSA to ensure your benefit amount is accurate.
Can children with disabilities get Supplemental Security Income (SSI)?
Yes, children with disabilities can qualify for SSI, but they must meet both medical and financial eligibility requirements. The child’s disability must significantly limit their ability to function, and their family’s income and resources must be within the SSA’s limits for SSI. For children, the disability must generally be expected to last for at least 12 months or result in death. Families must also report their income and assets regularly to ensure continued eligibility and to avoid potential overpayments.
If I get Supplemental Security Income (SSI) and work, do I have to report my earnings to Social Security?
Yes, if you are receiving SSI and start working, you must report your earnings to the SSA. This is important because your SSI benefits are based on your income and resources. If you earn too much, your benefits may be reduced, or you may no longer be eligible for SSI. The SSA has a process to evaluate how much of your income affects your benefits, but you are responsible for keeping them informed of any work changes. Failure to report can lead to overpayments that must be repaid later.