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If you have a disability that has caused you to be unable to work, you may face financial difficulties. That's understandable. It can be incredibly challenging to go from regularly earning an income to being unable to work at all. If you find yourself in this situation, you may wonder whether you should pursue a claim for disability benefits from the Social Security Administration and, if so, how much you might receive. Let's take a closer look at the types of benefits available. Two Types of Benefits The Social Security Administration offers two types of benefits for disabled individuals, and eligibility will depend on your particular circumstances. They include: Social Security Disability Insurance (SSDI): SSDI benefits are benefits provided by the Social Security Administration and funded through employment taxes. As a result, to qualify for this type of benefit, the recipient must be "insured." While this term sounds as if some sort of particular insurance policy is required all it means is that the applicant worked a job for a sufficient length of time through which they regularly paid a portion of their salary into the Social Security system. Supplemental Security Income (SSI): Unlike SSDI benefits, SSI benefits are not funded through employment taxes but are instead funded through general revenue. As a result, an individual may not be "insured" to be approved for benefits. Instead, SSI benefits are intended for individuals with low income and resources. Each year, the Social Security Administration sets an annual limit on income and resources, and those who have income and resources below that level may qualify for benefits if they also satisfy other necessary criteria.

If you are disabled and unable to work, you may be considering whether or not you should file a claim for disability benefits with the Social Security Administration. You may be wondering which type of benefit to apply for, how to qualify for those benefits, and whether or not work credits are required to receive them. What Types of Benefits Are Available? For individuals struggling with a disability that has rendered them unable to work, there are various options for disability benefits. In some cases, short-term or long-term disability policies provided by private insurers may be available. In other cases, the disabled person may choose to pursue disability benefits provided by the Social Security Administration. The terms of short and long-term disability policies obtained through private insurers may vary - but generally, the Social Security Administration has uniform rules and requirements for the disability benefits it provides.