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https://national-disability-benefits.org/2020/04/06/social-security-disability-insurance-ssdi-or-supplemental-security-income-ssi/
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* About Us
* Qualifying Disabilities
* Application Process
* Articles
* Free Disability Evaluation
* Contact
Contact@National-Disability-Benefits.org
Free Disability Evaluation
* About Us
* Qualifying Disabilities
* Application Process
* Articles
* Free Disability Evaluation
* Contact
SOCIAL SECURITY DISABILITY INSURANCE (SSDI) OR SUPPLEMENTAL SECURITY INCOME
(SSI)?
•31 comments
> Both programs offer cash benefits for disabled individuals, however it’s
> important to know which one is best for you.
The biggest difference between Social Security Disability Insurance (SSDI) and
Supplemental Security Income (SSI), and the ability to qualify for either
resides in an individual’s work history. SSDI is for people who have worked a
job and accumulated enough work credits where as SSI is available to low-income
individuals who have never worked or have not accumulated enough work credits to
be eligible for SSDI.
On the surface, SSDI and SSI can seem almost the same. Both programs are managed
by the Social Security Administration, and medical eligibility is considered in
a similar manner, however there are some drastic differences you need to be
aware of.
WHAT REALLY IS SOCIAL SECURITY DISABILITY INSURANCE (SSDI)?
SSDI is financially supported through payroll taxes. Recipients of SSDI are
considered “insured” because they have worked for a period of time and made
contributions to the Social Security trust fund in the form of FICA Social
Security taxes.
SSDI applicants must be over the age of 18 and under the age of 65, and
accumulated a certain number of “work credits”. Any individual receiving SSDI
also extends benefits to their spouse and children dependents who are eligible
to receive auxiliary benefits.
It’s important to note that there is a five month waiting period for SSDI
benefits from the Social Security Administration and the amount you receive is
dependent on your earnings record.
The good news is that the approval rates for SSDI are higher than those for SSI.
This is likely because SSDI recipients probably had a higher income and
insurance coverage allowing them to have seen a doctor for their medical issue.
It can be quite difficult to receive SSDI without seeing a doctor regularly and
judges/claim examiners give more credibility to individuals who have an
extensive work history.
WHAT REALLY IS SUPPLEMENTAL SECURITY INCOME (SSI)?
Supplemental Security Income is a program that is needs based according to an
individual’s income and assets. Unlike SSDI, SSI is funded by general fund taxes
and not from the Social Security trust fund.
Also unlike SSDI, SSI has nothing to do with work history. To qualify for SSI,
you must have less than $2,000 in assets (or $3,000 for a couple) along with a
very minimum income.
Individuals who are disabled that qualify under the income requirements for SSI
are also able to receive Medicaid from the state they live in. They also
generally qualify for food stamps and the amount of benefits they receive is
tied to where they live and the amount of regular monthly income they get. With
SSI, there is not a 5 month waiting period and you can receive benefits quickly.
HOW TO APPLY FOR EITHER
You can apply for either SSDI or SSI at your local Social Security
Administration office. However, it is generally recommended that you enroll the
help of a lawyer or legal advocate when submitting your application. This
generally results in a higher chance of approval and the opportunity to receive
more in disability benefits.
Please remember, do not be discouraged if your application is initially denied.
It’s possible to re-apply and eventually get approved to receive benefits.
Again, it’s highly recommended to have a lawyer or legal advocate help you with
submitting your application to maximize your chances of receiving benefits!
Previous PostHUD Housing Options & AssistanceNext PostWhen To Apply For An
Increase On Your Social Security Benefits or Supplemental Security Income
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31 Responses
1. Umelia ayala
April 7, 2020 at 4:55 pm
Reply
The offices are close do to the corona virus how can I apply and find out
if I qualify
1. National Disability Benefits
June 18, 2020 at 6:06 pm
Reply
Please apply online at https://www.ssa.gov/onlineservices/ for further
assistance,
2. Ibrahim issak
April 7, 2020 at 6:49 pm
Reply
Good job
3. Paul Giglio
April 7, 2020 at 7:20 pm
Reply
I would like an attorney to pick up my case and push it forward thru the
appeal process. I am disabled and I need to help.
4. Arnold House
April 7, 2020 at 7:29 pm
Reply
Where can I find a lawyer to help me to file for my benefits?
1. Lori Vance
April 8, 2020 at 1:47 pm
Reply
I have applied before and was denied. I would like help from an attorney
to push my application through
5. Adam
April 7, 2020 at 7:44 pm
Reply
I need help with application for ssi
6. Brian Catalano
April 7, 2020 at 8:51 pm
Reply
Thanks for the response so soon, need all the information I might need.
Thanks Brian Catalano
7. Gregory R Jaudon
April 7, 2020 at 9:16 pm
Reply
Can you recommend a ssi lawyer to me in Georgia
8. Derwin
April 7, 2020 at 9:52 pm
Reply
This is a great service
9. Joe Gomez
April 7, 2020 at 10:01 pm
Reply
Ssi is barely keeping me afloat and would like to know if I qualify for
SSDI, hope to hear from your office soon,
Thank You!
1. National Disability Benefits
June 18, 2020 at 6:15 pm
Reply
Please start your application at https://www.ssa.gov
10. Sheila l
April 7, 2020 at 10:09 pm
Reply
I am already retired and receiving a federal disability income. Am I
eligible to receive additional income from SSDI as well?
Will my 40% federal retirement be reduced if I receive SSDI?
1. National Disability Benefits
June 18, 2020 at 6:15 pm
Reply
Please direct that question to https://www.ssa.gov
11. Lori Hamrick Trista Hamricks mother
April 7, 2020 at 10:37 pm
Reply
I would like to talk to someone about my daughters ssi and how to get
things for her started. She has little vocal support.
1. National Disability Benefits
June 18, 2020 at 6:16 pm
Reply
All of these services can be applied for online at
https://www.ssa.gov/onlineservices/
12. Guillermo Valladares
April 7, 2020 at 11:28 pm
Reply
I am interested in SSDI, would like to apply with an attorney help.
13. Jeffery Keith Oh my foot that haven’t been my phone months
April 8, 2020 at 1:07 am
Reply
Oh my foot that haven’t been my phone months
14. Linda Baggett
April 8, 2020 at 2:01 am
Reply
I have copd plus other stuff and in debt because brother has cancer and
behind on bills !!! I’ve retired but won’t start getting checks till July
and to comply to rules I had to cut hours and COPD getting worse !!! Did
get Medicaid Thank God but might not pay for COPD MEDICINE ALREADY HAD TO
GIVE UP OXYGEN
1. National Disability Benefits
June 18, 2020 at 6:17 pm
Reply
Please go to https://www.ssa.gov/onlineservices/ to see what services
you may qualify for at this time.
15. Joyce Pemberton
April 8, 2020 at 2:31 am
Reply
Thank you for your reply
16. sam garza
April 8, 2020 at 3:16 am
Reply
Can I find out the status of my claim . thank you for your time and help.
1. sam garza
April 8, 2020 at 3:17 am
Reply
Thank you
2. National Disability Benefits
June 18, 2020 at 6:18 pm
Reply
Please go to the Social Security Administration office or
https://www.ssa.gov/onlineservices/ to see the status of your case.
17. Anthony Rhodes
April 8, 2020 at 4:36 am
Reply
I’m interested
1. National Disability Benefits
June 18, 2020 at 6:19 pm
Reply
Please start your application for benefits at
https://www.ssa.gov/onlineservices/ or go to the local SSA office.
18. Hanscar O Saimon
April 8, 2020 at 5:20 am
Reply
I will go on the ssdi benefit and I will talk to the lawyer
19. Alfred Bernabei
April 8, 2020 at 5:40 am
Reply
I have a bad back I’m on oxygen my employer is let me go
20. Alfred Bernabei
April 8, 2020 at 5:42 am
Reply
I’m also homeless have been for 4 years
1. National Disability Benefits
June 18, 2020 at 6:20 pm
Reply
You may want to contact both HUD and SSA for assistance. Please use the
following links to get started: https://www.hud.gov/states and
https://www.ssa.gov/
21. Abdul Hamid Rana
April 8, 2020 at 6:31 am
Reply
This is very nice
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