What is the Difference Between SSI and SSDI?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are both major programs that people with disabilities rely upon across the United States. Despite both being administered through the Social Security Administration (SSA), however, there are significant differences between the two. But what exactly is the difference between SSI and SSDI, and why does it matter?

What Is SSI and SSDI?

SSI and SSDI are two major programs, run by the SSA, which provide financial benefits for people with disabilities throughout the United States. When people become disabled, they can apply to obtain benefits from one of these programs, which can help them cover the costs of food, rent, and other expenses. In this way, disability need not destroy people financially, and even people with long-term healthcare needs can get assistance paying their bills.

How Are These Two Programs Similar?

Both SSI and SSDI have some similar requirements between them. Most notably, you must be able to prove you are unable to work as a result of your disability, by demonstrating medical evidence of your condition. You also must not be gainfully employed, limiting how much money you can obtain per month and still qualify for them.

What is the Difference Between SSDI and SSI?

The primary difference between SSI and SSDI is their financial requirements. For SSDI, you must earn “work credits” by earning a certain amount of money and paying Social Security taxes, with the general requirement being 40 credits for anyone over the age of 30. For SSI, however, the primary factor is how much money you make and how much you own; if you make too much money per month, or own too much in assets, you can be disqualified from obtaining benefits.

Why Does This Matter?

This matters because you need to make sure which program you qualify for before you try to apply for SSDI or SSI benefits. This means you need to have the correct documentation prepared, and you must be able to prove whatever is necessary to meet their requirements. That is why if you intend to apply for SSI or SSI, you should speak to a lawyer with experience handling Social Security disability applications. They can ensure you meet all necessary requirements and minimize the risk your application will be denied thanks to preventable errors.

If you or a loved one need assistance applying for SSDI or SSI benefits, it is important that you seek the guidance of an experienced Social Security Disability benefits lawyer. The lawyers at Sullivan & Kehoe, LLP have over 50 years of combined experience between its attorneys and are available to you or your loved one in obtaining Social Security Disability or Supplemental Security Income benefits. To schedule a consultation with our New York Social Security Disability benefits lawyers, call (631) 823-7155.

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