Dgflorida wrote: ↑
Mon Aug 12, 2019 3:08 pm
And my handyman recently finally got SSI. I think she could have applied for SSI given the condition of her spine,
SSI is not the same as Social Security Disability.
SSI is Supplemental Security Income, which is for people who did not work enough in their lives to earn enough credits and pay taxes to qualify for Social Security Disability (SSDI). SSI is paid for through a General Fund, not connected to the Social Security funds. A person who is declared disabled and granted SSI income can get state Medicaid for their health care.
SSDI, as I mentioned, is paid into through the person's payroll taxes, and they must work a certain number of years and hours to qualify. Once declared disabled, after two years the person also becomes eligible for Medicare, which was also paid into with their payroll taxes. If their income is low enough, they might also qualify for state Medicaid (as supplemental to Medicare).
It's important to know the difference. A person might apply for one, and get denied, when they should have applied for the other, and possibly get approved.
SSI is more of a "welfare" program, and many people have a negative perception of people who receive SSI. State Medicaid is in the same vein......it is thought of as a welfare program.
SSDI, Social Security Disability, is an entitlement, not welfare. The people who get it earned it and paid for it. The same is true for Medicare.....it was earned and paid for.
I get Social Security Disability, and Medicare. All earned an paid for by me. But I also get Medicaid, supplemental to the Medicare. I do actually pay $108 per month for my Medicaid because my SSDI income is $108 above poverty.
While I am completely for programs that help people that need it, I'm embarrassed to say that I bristle at the stigma of "being on welfare" when people mistakenly think I'm getting SSI.......like when all three of my parents told everyone they knew that I was "getting SSI". And I hate that many people also think that SSDI and Medicare are welfare.
The confusion helps no one.
(And I also have to add that people also confuse Unemployment Compensation with welfare, which prevents many people who are entitled to it from claiming it. )