Understanding The Difference Between SSDI And SSI
Social Security benefits act as a safety net for those unfortunate enough to live with long-term disabilities. Social Security Disability (SSDI) and Supplemental Security Income both accomplish this goal, but they have different ramifications and eligibility requirements. Below are some of the major differences between them.
Social Security Disability (SSDI): Based On Your Work History
The SSDI program provides monthly financial benefits — for both yourself and your minor children — in an amount based on your past earnings. You must demonstrate enough of a work history to qualify for these benefits. Those who receive SSDI benefits also usually obtain Medicare coverage.
Supplemental Security Income (SSI): Based On Your Need
SSI is an alternative for those without sufficient work history to qualify for SSDI. To qualify, you must meet the same medical criteria as an SSDI client, but in addition, your income and financial resources must fall below certain limits. You will also likely be eligible for Medicaid coverage if you qualify for SSI. The amount of your monthly benefits will depend on the federal benefit rate.
To receive either SSDI or SSI, you must demonstrate that you have a qualifying disability. The disability must impair your ability to work, and it must be expected to last at least one year. Submitting detailed medical records is an essential part of proving your case.
Which Program Is Right For You?
The eligibility criteria for Social Security can be complicated. It is important to speak with an experienced attorney about which program is right for you.
At Burgess & Christensen, a leading disability law firm in Georgia, we can evaluate your case for free. Our firm helps people through all stages of the application process, including any hearings and appeals. We have focused exclusively on disability law for more than 30 years.