Federal Disability Compensation (SSDI & SSI)

Most disability compensation for New York residents comes from two federal programs administered by the Social Security Administration (SSA):

Social Security Disability Insurance (SSDI)

• Designed for individuals who have worked and paid into Social Security.
• Requires a certain number of work credits based on your age and work history.
• You must have a medically determinable disability expected to last at least 12 months or result in death.
• SSDI payments are based on your past earnings.

Supplemental Security Income (SSI)

• A needs-based program for disabled individuals with limited income and resources.
• You don’t need a work history to qualify.
• SSI provides monthly financial assistance and can also make you eligible for Medicaid.

New York State Disability Benefits

New York also offers short-term disability insurance (DBL) through employers:

• Covers off-the-job injuries or illnesses.
• Provides up to 50% of your average weekly wage, with a maximum benefit of $170 per week.
• Benefits are typically paid for up to 26 weeks.
• Employers are required to carry this insurance, and many offer enhanced coverage through private carriers.

Important: This program does not apply to long-term or permanent disabilities. For those, you’d need to apply for SSDI or SSI.

Additional Disability-Related Benefits in New York

Besides income compensation, disabled residents may also qualify for:

• Medicaid or Medicare, depending on the program
• Public housing or rental assistance
• Transportation assistance, including reduced fares via the MTA
• Veterans disability benefits (for those who served in the military)

Each program has its own application process and eligibility rules, so it’s important to assess all options.