What is the difference between programs administered through Social Security: SSA, SSD and SSI?
SSA is the basic Social Security Benefit. People who qualify for this program have paid into the system by earning enough work credits through their lifetime and have reach full retirement age. People may opt to draw on their SSA benefit as early as 62, but may receive a reduced benefit. Social Security Disability, or SSD, is similar to the SSA benefit in that a person must pay into the system to earn enough work credits. However, due to a long term disability, the person is unable to continue to work. In order to obtain SSD a person must apply for the benefit through Social Security. Many people are declined the first time they request SSD and must appeal the decision. The reason for this is to prevent fraud and, although it is not required, consulting an attorney will improve the appeal success and timeliness. SSI is considered Supplemental Security Income. This program is for people who are age 65 or older or who have not worked 40 quarters but due to disability are unable to work.
