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When it comes to retirement, most people may depend a lot on their Social Security benefits. Although this may not always be a good idea since it may not be able to provide all the retiree’s needs. But still, the benefits may be complementary for those additional sources of funds for your retirement. The benefits can act as a safety net, not only for retirement but also for other circumstances that can happen to you while you are still working. That’s why you will still need to look after what you can get in terms of benefits in Social Security.
Social Security Disability insurance
Social Security Disability benefits are available for those who have experienced a bad accident or a health emergency that may compromise how one takes care of his or her finances. The disability benefit aims to provide some financial assistance to a person for the duration of his or her condition up until the recuperation period. This benefit is eligible for people who have been able to pay enough Social Security taxes as stated by the guidelines. According to the rules, an individual should have 40 credits or at least have earned 20 credits for 5 out of the 10 years prior to being disabled. Bear in mind that people usually earn around 4 credits each year.
Supplemental Security Income
SSI is a program that provides some added income to individuals who might be it, especially to the elderly, disabled, and the blind with little or no income. It is designed help provide these individuals with basic needs such as food, clothing and shelter. But unlike disability benefits, this does not require strict eligibility in terms of paying enough Social Security taxes. The income supplement program is funded by general taxes, making it more available for eligible individuals who need it the most.
