When it comes to applying for different disability programs, SSI and SSDI are commonly confused. Both of these programs offer financial support to individuals with disabilities who are unable to work, but they have differences in requirements and processes. Depending on your circumstances and the disability you have, one may be easier for you to be eligible than the other. In this blog, we will be discussing the main differences between SSI and SSDI and what circumstances make them more difficult to obtain.
What is SSI?
SSI or supplemental security, helps people with low income and few resources and does not consider their work history. This program is designed to actively assist people who are struggling financially because it is concentrated on dealing with their specific needs. Certain income and asset limits set by the Social Security Administration (SSA) must be met by applicants to qualify for SSI. Additionally, applicants must be at least 65 years old and must either be blind or have a disability that prevents them from working.
SSI does not require a work history and financial need is important for eligibility. If you do not have an important income or many assets and you meet the SSA’s definition of disability then you may qualify for SSI.
Read More: Which Pays More SSDI or SSI?
What is SSDI?
On the other hand, SSDI is for people who have worked in the past and paid into the Social Security system through payroll taxes. This program requires applicants to have worked a certain number of years and earn enough work credits. The number of credits an applicant needs depends on the age they became disabled. Often, 40 work credits with 20 of those credits earned in the last 10 years before the disability is required.
SSI is based on financial need, while SSDI is based on your work history and the amount you have paid into the social security system. If you qualify, you can receive monthly payments that are based on your average lifetime earnings.
Learn More: What Do You Need From Your Doctor to Qualify for SSDI?
What Makes Getting SSI More Difficult?
SSI is more difficult to qualify for individuals who have a substantial amount of income. SSI is based on financial needs and the asset limits are strict. If you exceed these limits, you may not be eligible to receive any benefits. A single individual cannot exceed $2,00 in assets, and a couple cannot have more than $3,000. There is also a strict income limit set by the SSA for SSI. his can make it difficult for individuals who rely on other forms of assistance, such as public housing or child support, to qualify.
What Makes Getting SSDI More Difficult?
SSDI is harder to gain for individuals who haven’t worked enough to meet the work credits requirement. This process requires documentation of your work history and disability and is not based on financial need. The main focus of this program is whether or not you’ve worked long enough and if your disability meets the SSA’s criteria. A challenge in this process is having enough medical evidence. Applicants need detailed and substantial medical evidence that shows the severity of their disability, many are denied due to not having enough documentation or because their disability does not meet the SSA’s definition.
Which is Harder to Get?
In the end, whether SSI or SDDI is harder to get depends on your personal situation. If have little income or assets and no work history, SSI may be easier for you to obtain. Whereas if you have a substantial work history and are struggling with a disability, SSDI may be a better option. Each program comes with its own challenges but it ultimately comes down to your situation.
If you’re uncertain about which program is right for you, reach out to Tabak Law today. We can help you understand your options and increase your chances of getting the benefits you deserve.
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