What Makes Supplemental Security Income (SSI) And Social Security Disability Insurance (SSDI) Different?

As a Kentucky resident, if you have a long-term disability, you may be working through your options and trying to figure out which of the U.S. Social Security Administration financial assistance options is best for you. Both help Americans with disabilities get by financially without working. There are key distinctions that exist between the two types of assistance programs.

SSDI (Social Security Disability Insurance)

You may ask if you are eligible for benefits? Do you qualify for disability insurance?  The U.S. Social Security Administration must determine that your injury is severe enough to meet its strict definition of the term.  And you will need to have enough work history. The number of work credits you need to qualify for disability benefits depends on your age when your disability begins. Every year the number of earnings required for a credit increases slightly in line with the rise in average earnings. To get the maximum of 4 credits, which is the annual entitlement you need to earn $6,040 you must have the required work credits to potentially be eligible for benefits.

SSI (Supplemental Security Income)

Supplemental Security Income (SSI) is a federal program that provides monthly payments to people who have limited income and few resources. SSI is for people who are 65 or older, as well as for those of any age, including children, who are blind or have disabilities. Your disability will have to meet the administration definition of the word. However, this type of benefit assistance is available for low-income individuals only.

Filling your disability claim can be an overwhelming and daunting process. More than 60% of Americans have their disability claim denied initially. A lawyer or advocate can fill out the SSDI or SSI application on your behalf and help gather medical records and other evidence for your claim. They can review your application for mistakes or omissions that could hurt your chances of success and can join you for meetings or conferences with Social Security officials. Many people find that they are able to qualify for assistance after they file an appeal.

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