A recent news feature from The Newberg Graphic takes a look at how the parents of children with cancer may be able to apply for Social Security disability benefits. While we normally think of disability benefits for people have become injured or ill and can no longer work, there is also a program for children and some adults who are disabled and have never worked at all. The disability program for those who have a work history is known as the Social Security Disability Insurance (SSDI) program, while the program available to some disabled children is known as the Supplemental Security Income (SSI) program.
The first thing to understand is that the Supplemental Security Income program is an income-based program. In other words, it is only available for those who live in very low income households and qualify based upon income guidelines. The federal income guidelines are very strict and are based on the federal poverty level. It should be noted that number can be higher than the actual poverty level in some cases. On the other hand, SSDI benefits are not tied to household income. While is true that the claimant cannot personally engage in substantial gainful activity (work), it does matter if the income is for the other members of the household. Continue reading