What’s the Difference Between SSDI and SSI Benefits?
Do you have questions about the different types of Social Security Disability programs and which programs you may qualify for?
My name is Kaitlin Wildoner, and I’m an attorney who helps disabled clients obtain their disability benefits as quickly as possible so they can focus on getting better.
Today, I’m going to talk about the two Social Security Disability programs, which are Supplemental Security Income (SSI) benefits and Social Security Disability Insurance (SSDI) benefits.
1. What Are SSDI Benefits?
SSDI benefits are available to those who have paid into the Social Security system through employment taxes and who have accumulated a sufficient number of work credits.
2. What Are SSI Benefits?
SSI benefits, on the other hand, are a needs-based program that’s available and limited to individuals who have a limited income as well as limited resources—irrespective of their work history.
3. How Are Benefit Amounts Determined?
Along those lines, SSDI benefit amounts are based on an individual’s work history and the amount they have paid into the Social Security system. The maximum benefit amount varies based on an individual’s earnings history.
SSI benefits, on the other hand, are set at a federal level and vary state by state. The maximum federal benefit amount is adjusted annually based on changes in the cost of living. The maximum federal SSI benefit for 2023 is $914 a month for disabled individuals.
4. Medical Requirements for Both Programs
To qualify for either program, an individual must have a severe medical condition that prevents them from working for at least 12 months or is expected to end in death.
5. Back Pay and Payment Timing
SSDI benefits are able to be paid retroactively for up to one year prior to the application date.
SSI benefits, on the other hand, cannot be paid prior to the first day of the month following the application.
6. Income and Asset Limits
SSDI does not have an income and resource limit. SSI, on the other hand, is a needs-based program, and individuals must have limited income and resources to qualify. Currently, an individual cannot have more than $2,000 in assets if they are single, and $3,000 if they are married, and still qualify for SSI benefits.
7. Medicare and Medicaid Eligibility
Finally, individuals who receive SSDI benefits are often eligible for Medicare two years after the onset of the disability. SSI recipients, on the other hand, are typically eligible for Medicaid benefits upon approval.
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