Social Security Disability Insurance (SSDI)
Social Security Disability (SSD) is provided to workers who have paid into Social Security (which includes Social Security Disability Insurance) through their work history, but who are no longer able to work as a result of the disability. To qualify for SSD benefits, one must:
- be unable to work as a result of a medical condition, illness, or disability that is expected to last at least one year or end in death,
- be younger than age 65 and unable to claim retirement benefits,
- meet the SSA definition of “disabled,”
- meet the requirements of the “recent work test” based on his or her age at the time of becoming disabled, and
- meet the “duration of work test” that demonstrates he or she worked long enough under Social Security.
Proof of each of these eligibility requirements and meeting each of the prescribed qualifications can be difficult to obtain and provide. An experienced Social Security Disability lawyer can be the top resource for properly submitting and defending your claim.
Supplemental Security Income (SSI)
While Social Security Disability Insurance (SSDI) is provided to disabled workers who have paid enough into the system through payroll taxes and deductions, Supplemental Security Income (SSI) provides financial relief for disabled Americans with limited income and resources, regardless of their work history. SSI provides monthly payments for those who are disabled, blind, or over age 65 who meet the following conditions:
- limited income as defined by the SSA prescribed level
- limited resources, including real estate, bank accounts, stocks, and bonds (but excluding your home and the land you live on)
- disability as defined by the SSA guidelines
Under certain circumstances, disabled children may also be able to claim SSI benefits or SSD benefits under a parent’s earnings. Contact a disability benefits lawyer for more information.
While Social Security Disability and Supplemental Security Income benefits have separate qualifiers, the definition of disability is the same under both programs. If you think you qualify for SSD benefits, it is wise to also apply for SSI benefits. You may possibly qualify for concurrent benefits, but even if you do not, SSI payments can provide relief until your Social Security Disability benefits are approved, a process that can be extremely long and protracted.
To find out if you qualify for Social Security Disability (SSD) or Supplemental Security Income (SSI) or for help in filing your claim, contact an experienced Social Security attorney in your area: