Social Security Disability
If you have an illness or injury that will prevent you from working for at least one year, Social Security Disability benefits can provide the financial support you need. Unfortunately, the process of filing an application for benefits and showing the Social Security Administration that you are disabled can be complex and lengthy. At Anderson & Ackerman Law Group, we help individuals navigate the social security process, from initial applications, to hearings before a judge, and appeals.
Here we explain the difference between the disability programs offered by the Social Security Administration. Please contact our office for a free consultation on your claim, and so we can explain this process to you in more detail.
Understanding Disability Benefits:
SSI vs. SSDI/DIB
Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), also known as Disability Insurance Benefits (DIB), are two distinct programs run by the Social Security Administration that provide benefits for disabled people. While both of these programs provide monthly financial assistance to people with disabilities, they have key differences.
Supplemental Security Income (SSI)
SSI is a needs-based program designed for individuals with limited income and resources who are disabled, blind, or over 65. Unlike SSDI, SSI does not require a work history. Eligibility is based on financial need, and benefits help cover basic living expenses like food and housing.
Eligibility:
- Limited/ No Income or Financial Resources:
- You must have no more than $2,000 in assets as an individual (or the current figure set, which is subject to change).
Meet SSA’s Definition of Disability; OR
- Be Blind; OR
- Over 65 years old.
Social security disability insurance (SSDI) & Disability Insurance Benefits (DIB)
SSDI is for individuals who have worked and paid into Social Security through payroll taxes, either through their own employment or a family member, but are now unable to work due to a disability. SSDI benefits may also extend to certain family members, including dependent children and spouses.
Eligibility:
- Work Credits Required
- You must have enough work credits through your past employment.
Meet SSA’s Definition of Disability.
Key Differences
Funding source
SSI is funded by general tax revenues.
SSDI/DIB is funded by Social Security taxes paid by workers and employers.
Amount of Benefits
SSI has a fixed monthly maximum set by law, which may be reduced by other income.
SSDI/DIB is based on lifetime average earnings and is typically higher than SSI benefits.
Health Insurance
SSI recipients qualify for Medicaid immediately.
SSDI/DIB recipients qualify for Medicare after a 24-month waiting period (in most cases).
Waiting Period
SSI benefits can begin the month after the eligibility determination.
SSDI/DIB benefits have a 5-month waiting period after the established disability onset date before benefits will start.
Similarities
Administration
Both programs are administered by the Social Security Administration in benefits in the form of monthly payments.
Disability Definition
The same definition, medical criteria, and evaluation process are used to determine whether you are disabled for both programs.
Process
Both programs use the same application, denial/approval, and appeals process. A representative can assist you at every stage with both.
Purpose
SSI and SSDI/DIB provide income and health insurance to individuals that are unable to work due to medical impairments.
Documentation
Extensive medical evidence is required to establish and support a disability claim in both programs.
determination
The decision on whether a claimant meets the disability definition applies to both programs.
Contact Us Today!
If you or a family member are going to apply or have already applied for social security disability benefits or SSI and are confused or frustrated with the process, contact our offices for a free consultation, and we can discuss how we can help you!