What Is the Difference Between SSDI and SSI Benefits?

If you are disabled, you’re probably looking for assistance. As you know, the Social Security Administration has programs in place to help those who have been disabled or injured. In fact, there are two major programs designed to provide assistance to those who need it — SSDI and SSI. But, what is the difference between SSI and SSDI benefits? Read on to find out more.

SSDI
Social Security Disability, or SSDI, is a program in place specifically for those who have a significant work history and have paid into the Social Security System. If you have been working and earning a living, but become injured or disabled and some way and are unable to work, then SSDI is the program to apply for. To qualify, you will have to have earned a certain number of work credits (the amount varies depending on your age) and you have to in a position where you are now unable to work or earn an income. In addition, this should be a long-term condition that is predicted to last for several years, if not longer.

SSI
Supplemental Security Income, or SSI, is in some respects similar to SSDI, but also different. Like SSDI, SSI benefits are paid out to those who are unable to work due to a disability, Unlike SSDI, however, SSI is not a program for those who used to work but now can not. SSI is a need-based program specifically designed for disabled individuals who are in low-income situations. In this case, your work history is unimportant, as you need to prove you have limited assets. In most cases, SSI is meant for those who have been disabled for a long time, and therefore have been unable to ever really do significant work.

Either way, if you are in a position where your disability or injury is causing you financial harm, then you might want to consider filing for help. If you are not sure which program you qualify for, or how to go about collecting the information needed to apply, then contacting an SSD representative should be your first step. If you are looking for an SSD representative, then please don’t hesitate to contact us today. Our experienced team can look at your situation and determine which type of help you qualify for. In addition, we can walk you through every step of the process to give you the strongest possible chance of being approved for benefits. Contact us today!