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Bucher Law Group, LLC

What Is the Difference Between SSDI and SSI Programs?

Posted on in Social Security Disability

Walworth County Social Security Disability Insurance attorney

Not a lot of people think about what would happen if they became disabled. According to the Social Security Administration, one out of every four of today's 20-year-olds will become disabled before reaching the age of 67. How would you provide for yourself and your family if you are no longer able to work? This is where the Social Security Administration (SSA) comes in. The SSA provides two programs that help Americans who are disabled: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Although these two programs are similar, there are a few key differences in how they operate. 

Supplemental Security Income (SSI)

SSI is a benefit that is paid out to certain individuals based on need. This benefit provides income for children and adults who are disabled and who have limited income and resources. This is the biggest difference between SSI and SSDI. You do have to meet eligibility requirements to receive SSI. To qualify, you generally have to be over the age of 65, blind or disabled and have limited income and/or resources. Children or young adults may also be eligible for SSI if they meet the definition of blind or disabled.

Social Security Disability Insurance (SSDI)

With SSDI, you must have a qualifying work history to receive benefits. SSDI is similar to SSI but is typically a temporary benefit that is issued until you are able to work again. To qualify for SSDI, you must have worked long enough and recently enough to meet the SSA’s eligibility requirements. The SSA states that you typically need 40 work credits, four of which can be earned each year, although younger workers may be eligible for benefits with fewer credits.

You must also meet the SSA’s definition of disabled to receive SSDI. SSDI only pays benefits for those who are totally disabled, rather than partially disabled or disabled for a short term. To be considered disabled, you must not be able to do work that you did before, unable to adapt to other work because of your disability, and you must have a disability that is expected to last for at least one year or result in death.

Contact a Waukesha County Social Security Disability Attorney

The process of receiving benefits through the SSA can be long and complicated. You may not even be approved on your first try. At the Bucher Law Group, LLC, we can help you determine which programs are best suited for your situation. Our skilled team of Racine County social security disability lawyers are here to assist you every step of the way. To schedule a free consultation, call our office today at 262-303-4916.

 

Sources:

https://www.ssa.gov/planners/disability/

https://www.fool.com/retirement/general/2016/03/25/ssi-vs-ssdi-understanding-the-key-differences-in-s.aspx

https://smartasset.com/retirement/ssi-vs-ssdi

 

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