Social Security benefits, with their myriad acronyms and complex eligibility criteria, can be a maze for many. Two key programs under the Social Security umbrella are Social Security Disability Income (SSDI) and Supplemental Security Income (SSI). Both are designed to support individuals who are unable to work due to disability, yet they cater to different needs and have distinct eligibility requirements.
Understanding the nuances between SSDI and SSI is crucial for anyone considering applying for these benefits. If you have questions, have had your SSDI application denied, or need assistance determining if you are eligible, contact PLBH at (800) 435-7542 for a legal consultation.
SSDI: A Snapshot
Social Security Disability Income (SSDI) is aimed at individuals who have worked in jobs covered by Social Security and are now unable to work for a year or more due to a disability. Eligibility hinges on a strict definition of disability, which includes the inability to perform previous work or adjust to new work due to medical conditions, expected to last at least one year or result in death. The SSA employs a five-step sequential evaluation to determine eligibility, requiring qualification at each step.
SSDI benefits, funded through payroll taxes, provide monthly payments to qualified individuals. This program reflects the Social Security Administration’s commitment to support those who have contributed to the system through their work history but are now incapacitated by disability.
SSI: Understanding Needs-Based Assistance
In contrast, Supplemental Security Income (SSI) focuses on aiding individuals who are disabled, blind, or aged 65 and older, and who also meet specific income and resource limitations. SSI is particularly inclusive, offering support to blind or disabled children as well. The program’s eligibility criteria emphasize financial need, with asset limits set at $2,000 for individuals and $3,000 for couples, and income thresholds that adjust annually.
Funded by general U.S. Treasury funds, SSI recipients are entitled to monthly payments on the first of each month. Beyond financial assistance, SSI beneficiaries often qualify for Medicaid and potentially other benefits, underscoring the program’s role in providing a safety net to those with limited means.
SSDI vs. SSI: Key Differences and Overlaps
While both SSDI and SSI serve individuals with disabilities, the paths to qualification and the benefits they offer diverge. SSDI applicants must demonstrate a work history in Social Security-covered employment, whereas SSI applicants need only meet disability, age, and financial criteria. Interestingly, it’s possible for individuals to qualify for both programs simultaneously, although typically, those eligible for SSDI due to their work history might not meet SSI’s financial need criteria.
The medical criteria for disability are similar across both programs for individuals aged 18 or older. However, SSI’s eligibility extends to children with disabilities, whereas SSDI does not, except in cases where dependents may receive benefits under certain conditions.
Navigating the Application Process
The process of applying for SSDI or SSI can be daunting. Errors in the application or failure to meet the stringent criteria can result in denial. This is where the expertise of a Social Security benefits lawyer becomes invaluable. A knowledgeable attorney can guide applicants through the intricate application process, increasing the likelihood of approval.
At PLBH, our attorneys specialize in Social Security disability benefits applications, from initial filing to appeals. We understand the profound impact these benefits can have on the lives of individuals and families facing disability. If you’re exploring the possibility of applying for SSDI or SSI, contact us at (800) 435-7542 to schedule a consultation. Together, we can navigate the complexities of Social Security benefits, ensuring you receive the support you’re entitled to.