The most basic difference between the Social Security Disability (SSD or SSDI) and Supplemental Security Income (SSI) programs is that eligibility for SSD is based on a person’s work history while eligibility for SSI is based on financial need.
At Ross, Quinn and Ploppert, our lawyers can help clear away much of the confusion caused by the SSA’s complicated disability rules and requirements, and we can help you understand the key differences between these two programs. To schedule an initial consultation with one of our attorneys, contact us.
Social Security Disability Insurance (SSD or SSDI)
If you meet the SSA’s definition of disabled and have a significant work history, including recently earned “work credits,” you are probably insured under the SSDI program. Other facts include:
- Eligibility for Medicare benefits is generally about two years from the date the SSA determined your disability began.
- Amount of monthly benefit is based on what you earned and paid into the system (although there is a maximum monthly benefit that changes yearly).
- You can work and earn up to $980 per month while receiving SSD.
- Your spouse and children may also qualify for disability benefits based on your work history.
We can answer your questions about Social Security Disability, and we can provide you with the advice you need throughout your case.
Supplemental Security Income (SSI)
Some SSD recipients are able to obtain SSI benefits as well. That said, most people apply for SSI benefits because they do not have the work history that SSD benefits require. In addition:
- An individual recipient must have total countable assets totaling less than $2,000 ($3,000 per couple).
- Immediate medical coverage is provided through the Medicaid program.
- For most people the maximum monthly benefit provided by SSI is about $700 per month (this figure is adjusted yearly).
- Spouses and dependents are not covered unless they can meet SSI’s eligibility requirements on their own.
With extensive experience in this area, we can address your questions about Supplemental Security Income.