When applying for disability benefits, it’s essential to understand the different types of assistance available. Knowing the specific benefits you qualify for can help you maximize your financial support. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are the two main types of federal disability benefits, but each program serves different purposes and has unique requirements. Let’s break down the types of disability benefits you should know about and help you determine which one might be right for you.
Social Security Disability Insurance (SSDI)
SSDI is designed for individuals who have worked and paid into the Social Security system through their earnings. If you’ve accumulated enough work credits, you may qualify for SSDI, which provides financial assistance if your medical condition prevents you from continuing to work.
Key Factors to Know About SSDI:
- Work History Requirement: To qualify for SSDI, you must have earned enough work credits. These credits are accumulated through paying Social Security taxes (FICA) while employed. Typically, you need 40 credits, with 20 of them earned in the last 10 years leading up to your disability.
- Disability Qualification: SSDI is only available for those with a long-term, severe disability that meets the Social Security Administration’s (SSA) strict definition of disability. Your condition must be expected to last at least 12 months or result in death.
- No Income Limitations: Unlike SSI, SSDI is not based on your income or resources, but you cannot engage in substantial gainful activity (SGA). In 2024, the SGA limit is $1,470 per month for non-blind individuals.
Supplemental Security Income (SSI)
SSI is a needs-based program for individuals with limited income and resources, regardless of their work history. SSI benefits are available to those who are disabled, blind, or over 65 and who meet strict financial criteria.
Key Factors to Know About SSI:
- Income and Resource Limits: To qualify for SSI, you must have very limited income and financial resources. In 2024, the resource limit is $2,000 for an individual and $3,000 for a couple. However, some assets, like your home and one vehicle, are not counted.
- Disability Requirement: Like SSDI, SSI requires that your disability be severe and long-term, preventing you from working.
- Medicaid Access: One significant benefit of SSI is automatic eligibility for Medicaid in most states. Medicaid can help cover medical expenses, which is especially important for those with chronic conditions.
Other Types of Disability Benefits
- Disabled Adult Child (DAC) Benefits: If you became disabled before the age of 22 and your parent receives Social Security retirement or disability benefits, you may qualify for DAC benefits based on your parent’s earnings record.
- Disabled Widow(er)’s Benefits: If you’re disabled and your spouse passed away, you may qualify for benefits based on their work record, provided you meet specific age and disability requirements.
Tips for Deciding Which Benefit to Apply For
- Assess Your Work History: If you’ve worked and paid Social Security taxes, start by applying for SSDI. If you don’t qualify due to insufficient work credits, consider applying for SSI.
- Consider Your Financial Situation: If you have significant assets or income, SSI may not be an option due to its strict financial limits. SSDI, however, does not have these limits.
- Review Eligibility for Other Programs: If you qualify for SSDI, check if you’re also eligible for other programs like Medicare (after two years of SSDI benefits) or Medicaid.
Common Mistakes to Avoid
- Not Understanding Income Limits: Many applicants mistakenly believe they can qualify for SSI while still having substantial savings or other income. Make sure you understand the strict resource limits for SSI before applying.
- Failing to Gather Complete Medical Evidence: Both SSDI and SSI require extensive medical documentation to prove your disability. Failing to provide complete, up-to-date records can lead to delays or denials.
- Applying for the Wrong Program: It’s essential to know whether SSDI or SSI is the right program for you. Applying for the wrong benefit can waste time and delay your access to financial support.
How an Attorney Can Help
Choosing between SSDI and SSI can be confusing, especially if you’re unsure which program you qualify for. An experienced disability attorney can help you understand the differences between these programs, ensure your application is complete, and represent you if your claim is denied.
At Disability Law Group, we guide applicants through the disability application process and help them choose the best benefit option. Contact us today for expert assistance in understanding the types of disability benefits available to you and ensuring your application is as strong as possible.
