In order to live life to the fullest, you should be able to do what you love and what you are passionate about. If you are not well or if you are living with restraints, it can be difficult to do the things that you love to do or to go to the places you want to go to. If you have a disability whether temporary or long-term, it can be a challenge to just get through each day and to support yourself or your family.
It is important to have healthy habits, such as good diet and exercise because it will give your body what it needs to get through the day and it is also related to mental health as well. If you don’t eat right or if you never get any exercise, you will be much more likely to get into a depressed state than if you do those things that make your body healthy.
For financial help, there are programs in place to help those with disabilities such as social security disability (SSDI) and supplemental security income (SSI). But there are differences between the two. When it comes to SSDI vs SSI each comes with its own set of benefits.
Social Security Disability
SSI was created for those who need and is decided on income and assets. It is funded by taxes. You need to meet certain requirements in order to qualify to get this type of help. Your assets cannot exceed $2,000 or $3,000 for a couple. You must also have a very minimal income. If you are disabled, it’s likely that you will qualify for Medicaid and other government services.
This program is handled by the Social Security Administration and has been created to help those who have become disabled and can no longer work and provide for themselves. It is also geared towards those with a disability over the age of 65 and also if you are blind.
Social Security Disability Insurance
This program is funded through payroll taxes. In order to qualify for these benefits, you must be under the age of 65, and you will need to have earned “work credits.” Under this plan, your family will be able to receive certain benefits, but only adults over the age of 18 can receive the disability benefit. You will also have to wait for two years to be eligible to receive Medicaid if you are disabled. To be eligible to receive benefits from this program, you need to have worked at least five of the last ten years.
When Your Life Gets Turned Upside Down
When it comes to living a happy life, financial concerns play a big role. If you are constantly struggling to pay the bills or to buy the things that you need to survive, such as food or gas, it is very difficult to have peace of mind. It is likely that you are stressed out and if you are living with a disability, it can make things much more difficult and frustrating. Having the responsibility of providing for a family can add to the stress and worry that comes with money issues.
You may have job security, a nice home, and everything seems to be going just great and then an accident happens and turns your whole world upside down. It can be hard to know where to begin and you are not likely to be an expert in the world of SSI and SSDI. You also don’t have a lot of time to research into all the different programs that may be available to you or what you qualify for so you will need some outside help. You will need to submit a disability claim in order to receive benefits, whether SSI or SSDI, depending on what you qualify for. It’s a good idea to work with a disability attorney or representative to ensure that you are properly represented and to cover all the bases.
Even if you are now living with a disability, you’ll have peace of mind knowing that you and your family will be ok and you can focus on adapting to your new lifestyle rather than worrying about the bills.