Introduction

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide financial assistance to individuals who cannot work due to a disability. This article explains the differences between SSDI and SSI, eligibility criteria, and the application process.

SSDI vs. SSI

Social Security Disability Insurance (SSDI)

Social Security Disability Insurance (SSDI) provides monthly payments to disabled individuals who have paid into the Social Security system through payroll taxes. To qualify for SSDI, you must have a qualifying disability and sufficient work credits, which are earned based on your employment history. The amount of your SSDI benefit depends on your average lifetime earnings before your disability began.

Supplemental Security Income (SSI)

Supplemental Security Income (SSI) provides monthly payments to disabled individuals with limited income and resources, regardless of their work history. SSI is funded by general tax revenues, not Social Security taxes. To qualify for SSI, you must meet strict financial criteria and have a qualifying disability. The SSI benefit amount is standardized but may vary slightly depending on your state of residence.

How to Apply

Gather Documentation

Collect medical records, work history, financial information, and other relevant documents. These will be crucial in supporting your claim and demonstrating your eligibility for benefits.

Complete the Application

You can apply for SSDI and SSI online through the Social Security Administration (SSA) website, by phone, or in person at your local SSA office. The application process involves providing detailed information about your disability, medical treatment, work history, and financial situation.

Submit Supporting Evidence

Submit all required documentation and any additional evidence that supports your claim, such as doctors’ statements, medical tests, and treatment records. Thorough and accurate information will increase the chances of your application being approved.

Seek Help if Needed

Consider consulting with a disability advocate or attorney if you encounter difficulties during the application process. They can help you navigate the complexities of the system and improve your chances of success.