Should You Apply for SSDI or SSI Benefits?
Are you disabled and unable to work and wondering whether you should apply for SSDI or SSI benefits?
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, we’re going to talk about whether SSDI and/or SSI benefits may be an option for you.
Understanding SSDI and SSI Eligibility
You can determine whether you meet the eligibility criteria for each program by considering the second prong. Now, not only must you be disabled and unable to work for a period of at least 12 months, but:
- For SSDI benefits, you must also have a sufficient work history—which is typically, you must have worked and paid into the Social Security system for five of the last ten years.
- Whereas with SSI, it’s a needs-based program for individuals who have limited income and resources as well as their disability.
Work History and Financial Criteria
As I mentioned before, if you have a significant work history and have paid Social Security taxes for at least five of the last ten years, you may be eligible for SSDI benefits.
On the other hand, if you have limited income and resources, you may qualify for SSI benefits, irrespective of your work history.
- SSDI is available to individuals with disabilities who have worked and earned enough work credits, regardless of their age.
- SSI is primarily for individuals with limited income and resources.
Severity and Duration of Disability
You may want to consider the severity and duration of your disability before applying for SSDI or SSI benefits. Both programs are made for long-term or permanent disabilities that prevent an individual from engaging in substantial gainful activity.
The disability must be expected to at least last for one year or end in death.
Can You Qualify for Both SSDI and SSI?
Some individuals may be eligible for both SSDI and SSI benefits and receive a combination of both if approved.
- SSDI benefits are subject to a five-month waiting period from the onset date of the disability.
- SSI benefits may be payable as soon as the first full month after submitting the application.
Medicare and Medicaid Considerations
- SSDI recipients may become eligible for Medicare after a two-year waiting period, which can be critical in helping you with ongoing medical needs.
- SSI beneficiaries can often become Medicaid eligible.
Get Help Deciding What’s Right for You
It’s important to consult with a Social Security disability attorney to assess your specific situation and determine which benefits program is most suitable for your situation and your needs.
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