How to file for disability, Filing for SSI
Disability Requirements, Disability Status
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Social Security Disability and Money in the Bank

Here's a recent question. "Are You Allowed To Earn Interest From a CD of $15,000 While Being On Social Security Disability?"

Many people confuse Social Security and Supplemental Security Income disability when considering the impact of income and resources on disability eligibility.

Supplemental Security Income disability is a disability program that is based upon need; therefore, there are income and resource limits which affect SSI eligibility. Unlike Supplemental Security Income (SSI) disability, Social Security Disability does not have any kind of income or resource limits because it is based upon insured status rather than need. Consequently, income (other than wages) and resources do not affect eligibility for Social Security Disability benefits.

Social Security Disability applicants or beneficiaries can have rental homes, investments, land, stocks, bonds, and CDs without any penalty. If an individual is receiving Social Security they can have as much money in the bank as they wish and there is no problem with interest earned on CDs.

SSI on the other hand is completely different. Eligibility to receive SSI benefits is affected by money in the bank, income, land, rental property, stocks, 401ks, and CDs. Why? Again, the reason SSI is affected by income and resources (of any kind) is that it is a need-based disability program meant for those who have little or no income or resources.

The non-medical criteria that establish eligibility for SSI are very similar to the eligibility guidelines for all social welfare programs. If an individual has income or resources above the SSI income and resource limits, they are not eligible for the need-based disability program.

When an individual files their disability application with Social Security, they are evaluated for both Social Security Disability and SSI disability. If they meet the eligibility requirements of both programs, their disability claim will be sent to the state disability agency as a concurrent claim. If they do not meet the eligibility requirement of both programs, their disability claim can be sent as a Social Security Disability or SSI only claim to the state disability agency.

Once they are medically approved for disability benefits, SSI beneficiaries have an "end line review" to address any changes in income or resources. An individual can be found medically disabled by Social Security and still not be eligible for SSI disability benefits because they do not meet income and resource limits.

Questions and Answers

1. The Difference Between Social Security Disability and SSI Really Involves Work Activity

2. Will The Condition You have Determine How Much You Get For Disability?

3. If Social Security Turns Down My Case Can I apply For Disability A Second Time?

4. If You Are Currently Working Are You Eligible To Receive Social Security Disability?

5. Application Requirements For Disability - What Do I Need To Start The Claim?

6. What If I Do Not Have Enough Work Credits For Social Security Benefits?

7. What Are The Reasons For Social Security Disability Cases Being Denied?

8. What Does It Mean If you Are Denied For Disability Because Of Other Work?

9. Social Security Disability Hearing-How Do I Request One?

10. The Medical Records That Are Best For A Social Security Disability Claim

11. Winning Social Security Disability Benefits For Mental Disorders

12. Getting a Social Security Disability Determination After Seeing a Psychologist at a Mental Evaluation

13. How Long Will it Take To Get a Decision Letter from Social Security Disability?

14. What are the Application Requirements For SSI Disability

15. You Must Give Social Security Disability Your Work History When You Apply

16. The SSD, Social Security Disability Date of Application

17. The Psychologist Exam for Social Security Disability and SSI Claims

18. If I am Awarded Social Security Disability Will My Benefits be Cutoff Later?

For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.