If you or a loved one cannot work due to a disability, you may have come across two government programs while researching your options: SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance).
While they sound similar, these programs serve different purposes and have distinct eligibility requirements. Understanding what makes them unique is crucial to making informed decisions about your benefits and financial future.
Since 1978, the attorneys at Robbins Law Offices in Atlanta have helped clients navigate the complexities of disability benefits and fought to ensure they get the support they need. Learn the differences between SSI and SSDI below.
What Is SSI?
SSI is a needs-based program that assists individuals who are elderly, blind, or disabled and have limited income and resources. Issued by the Social Security Administration (SSA), SSI does not require a work history.
Key facts about SSI:
- It’s funded by general tax revenues, not Social Security taxes.
- It’s designed for low-income individuals with limited assets.
- It’s available to adults and children who meet disability criteria.
- Monthly payment amounts vary based on financial need and living situation.
What Is SSDI?
SSDI is a payroll-tax-funded program for people who have worked and paid into the Social Security system through their job. SSDI provides benefits to disabled workers and, in some cases, their dependents.
Key facts about SSDI:
- It’s funded by payroll taxes (FICA).
- It requires a qualifying work history (generally at least 5 of the last 10 years).
- It provides benefits based on your average lifetime earnings.
- It includes Medicare eligibility after 24 months of SSDI benefits.
Which Do You Qualify For?
Determining your eligibility depends on several factors:
- Financial need: If your income and assets are limited, SSI may be an option.
- Work history: If you have a consistent work record and have paid into Social Security, you may qualify for SSDI.
- Disability: Both programs require that you meet the SSA’s definition of disability.
It’s also possible to qualify for both programs in certain cases. This is known as “concurrent benefits.”
Get Help From an Atlanta Disability Attorney
Navigating the application process and appealing denials can be overwhelming. At Robbins Law Offices, our skilled team will stand by your side and help you understand your options.
Contact us at 404-252-8117 or toll-free at 800-772-5555 to schedule your free consultation at our Atlanta office.