The disability program through social security is funded by workers and set up to support individuals that become unable to work due to physical or mental limitations. As an individual is working and paying into social security they are paying into retirement but also disability “insurance”, should they become unable to work. “Insurance” meaning, Disability Insurance Benefits, aka your benefit amount and the time frame for which you qualify. There are two disability programs, Disability Insurance Benefits (DIB) under Title II and Supplemental Security Income Benefits (SSI) under Title XVI.
The DIB program is based solely on an individual’s past work and how much that person paid into the system. Social security will look back 20 years and determine the amount a person qualifies for and for how long they qualify. How long a person qualifies is called your Date Last Insured (DLI). An individual must be found disabled prior to the expiration of their DLI in order to collect on those benefits. The SSI program is based on household income and assets. This program pays out on the same household basis. A person may qualify for either program individually or both programs concurrently.
For help understanding which programs you qualify for or any other questions related to social security disability please contact us at Hoglund, Chwialkowski & Mrozik.