If you are unable to work due to a medical disability, the Social Security Administration offers the opportunity to receive benefits from either Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Although both of these programs are federally funded and use the same definition of disability, there are distinct differences between the two that you should know about before applying. This will ensure you submit your claim to the correct program based on your specific situation. Here is a basic overview of how SSDI and SSI differ.
Eligibility for Social Security Disability Insurance is contingent on work history. To qualify, you must be able to show you’ve accrued a certain number of work credits and paid into the program over the last 10 years through taxes. Your disability also has to be expected to last at least 12 months. The amount paid out each month depends on the applicant’s record of earnings throughout those years. In addition, SSDI recipients become eligible to receive Medicare two years after qualifying for benefits.
In contrast to SSDI, eligibility for SSI is based on need, which means your income and assets must be below a certain amount to qualify. This program is designed to help the disabled and elderly, despite having insufficient work credits. SSI pays out a standard benefit amount to every beneficiary, but the amount might be adjusted if recipients earn any income. Those approved for SSI payments will typically also qualify for health care benefits under Medicaid right away.
Understanding how each of these programs work will make it easier to identify which one applies to your circumstances. However, to ensure your Social Security disability claim is properly submitted, it’s in your best interest to seek legal advice. The reputable lawyers at Padgham Law Firm have helped numerous residents in Hot Springs, AR, successfully navigate the complex application process. They also provide effective representation in cases that have initially been denied. Call (501) 624-3300 today to schedule a consultation, or visit their website to learn more about their practice areas.