SSI benefits are frequently confused with Social Security disability benefits. While both are managed by Social Security and both require that you meet the strict definition of Social Security, that’s where the similarities end.
Social Security disability benefits are based on the earnings record of the worker, are funded by Social Security taxes and dependents of the worker may qualify for benefits upon his or her death.
Conversely, SSI benefits are basically welfare benefits. Instead of receiving benefits based on your work history, benefits are awarded based on your income and assets – or lack of. Basically, only people with very limited income and resources can receive SSI benefits.
The other main difference is the death benefits available to survivors. Children, spouses and other dependents of workers who are receiving Social Security disability benefits may receive survivor benefits after the worker passes. SSI benefits are based on the needs of the individual and are only paid to the qualifying person. Once the person receiving SSI dies, the benefits go away as well. There is no SSI death benefit for the spouse, children or other dependents of a person receiving SSI benefits.
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