Difference between Title 2 and Title 16 Disability
If you’ve never heard of Title 2 and Title 16 disability, you’re not alone. Many people are unaware of these programs, at least when you see them as Title 2 and Title 16 or as Title II and Title XVI. However, understanding what they are and the difference between Title 2 and Title 16 is essential when you are disabled and unable to work.
Title II and Title XVI are two disability programs administered by the Social Security Administration. Title 2 of the Social Security Act is the Social Security Disability Insurance program. Title 16 is the Supplemental Security Income program. Chances are that you’ve heard about them as SSDI and SSI.
This blog explains all you need to know about the SSDI and SSI programs, including what it takes to be eligible for each and the disability benefits they pay. As you read through the information, help is available from National Disability Experts with answers to questions about the programs, including whether you qualify for benefits through either or both of them.
Title 2 Disability: Social Security Disability Insurance
You must be “insured” to receive benefits through Title 2 of the Social Security Act. To be eligible for SSDI benefits, you must be disabled. The “insured” requirement is met by contributing to the Social Security trust fund by working and paying Social Security taxes on your earnings.
Eligibility for Title 2 Disability requires that you worked long enough and recently enough at jobs subject to payment of Social Security taxes. You earn work credits based on your monthly earnings. One work credit is earned in 2024 for each $1,730 you earn in wages, with a maximum of four work credits per year.
You typically need 40 work credits, 20 earned in the 10 years immediately before your disability began, to qualify for benefits. However, it’s possible to qualify for SSDI with fewer work credits depending on your age at the onset of your disability.
The amount you receive from Title 2 Disability is determined by your earnings during your work history. The maximum monthly SSDI benefit in 2024 is $3,822, but the average SSDI recipient receives $1,537. There is a five-month waiting period from the onset of the disability before monthly benefit payments begin.
If you qualify for SSDI, you become eligible for health insurance coverage through Medicare. Medicare coverage begins 24 months after you start receiving monthly SSDI payments.
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