[acdha]

Which somewhat reduce that risk. People on SSI are usually struggling, not affluent, and actually getting those benefits can be a struggle for people with conditions less clear cut than, say, losing limbs.

I’m not saying they’re not worth having but again that there’s a big gap between someone being rich and a middle-class worker with decent active income.

[RhysU]

Definitely, the SSI application process can be onerous. It is meant for people who can do no job not just their pre-incident job.

Definitely, SSI is not a full-time job income. That's why a worker with decent active income should look into private, long-term disability insurance.