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Reply to "Graduate students and paying into Social Security (disability related question)"
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[quote=Anonymous][quote=Anonymous]What is the difference between being disabled and never working (and collecting benefits) and becoming disabled and collecting benefits? Sorry, I don’t know anything about this sort of thing. Why are they different?[/quote] If you have never worked, or you have not worked enough to qualify for SSDI, the benefit you can get is called SSI, and it is not a lot of money. I think the maximum monthly SSI benefit right now is $994. And to remain qualified for this $994 monthly benefit, you really can have no assets. I think the maximum you can have in a savings account is $2,000. If you have worked the required number of credits, and paid into SSDI all your years, the maximum benefit is much more: $4018 per month. And it is not means-tested - you can have a million in the bank in assets, it doesn't matter. So very, very different in terms of what kind of life you can have, if you have the misfortune to become disabled. [/quote]
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