If you have a disabling condition and are no longer able to work, you may be looking into Social Security disability benefits. However, understanding the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) is not always easy. These programs serve different groups of disabled individuals and have different eligibility rules. Knowing which one applies to you can make a significant difference in the handling of your claim.
At Schaffer & Associates, our social security attorneys help disabled individuals understand their rights. Below is a breakdown of the differences between SSDI and SSI in Findlay and the surrounding area, along with the key information that you need to move forward.
SSDI is a program for disabled individuals who have paid into the Social Security system during their recent employment history. Unlike SSI, to qualify for SSDI in Findlay, you must have worked for a specific amount of time. In most cases, this means you must have worked and paid Social Security taxes for at least five of the last 10 years.
SSDI is not based on your income or resources. Instead, it is based on your work history and whether your condition meets the Social Security Administration’s (SSA) definition of a disability. This coverage can expire if you have not worked recently enough, which is why it is important to apply for benefits as soon as you know that you cannot return to work.
SSDI claims are often denied at first, but if that happens, you still have the right to appeal. Most SSDI appeals involve an informal hearing, where you present your case to a judge; this is where our team at Schaffer & Associates can step in to guide you through the hearing process and help you prepare your case for success.
The SSI program is a separate program that does not require an individual to have a work history. The main difference between SSDI and SSI in Findlay is that SSI is for disabled individuals who have minimal income and resources. To qualify, you must meet both the program’s disability criteria and strict financial guidelines, including caps on income and savings.
The maximum monthly amount for SSI benefits changes slightly each year, but it is generally just under $1,000 for individuals and just under $1,500 for couples. If your income exceeds the monthly maximum, you may not be eligible for SSI, even if you are medically disabled.
At Schaffer & Associates, we do not file initial SSI applications or assist with preparing them. If you believe you qualify for SSI, we encourage you to file your initial application with the SSA. If your claim is denied, we can help you through the appeals stage.
One of the biggest challenges we see is confusion over which program a person qualifies for. SSDI is available to those who have a solid work history and have paid into the Social Security system. SSI is available for those with little to no income and assets, regardless of work history. Some individuals may be eligible for both programs, depending on their specific circumstances.
Eligibility for SSI is based equally on your disability and your financial situation. For SSDI claims, your recent work history and your disability are the key factors. We can help people in Findlay and the surrounding area understand the differences between SSI and SSDI. If you are not sure which benefit you should claim, it is important to review your earnings history and the SSA’s disability rules carefully. Our team can help you determine your eligibility for any benefits and provide support if you receive a denial.
No matter which program you apply for, a denial can feel overwhelming. Many claims are denied at the initial stage, but many are approved later through the appeals process. Understanding the differences between SSDI and SSI in Findlay can help you avoid denials.
If your SSDI or SSI claim has been denied, seek legal guidance early to secure the best chance of getting your claim approved. Contact Schaffer & Associates today to schedule a free consultation.