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The Differences Between SSI And SSDI And Why They Matter

It is a significant problem when a person is unable to work due to a disabling mental or physical condition. As an Indiana adult, this has a direct effect on a person’s ability to provide for himself or herself, live independently and provide for his or her family. Fortunately, disabled individuals have the option to seek financial support through one of the two programs offered by the Social Security Administration. 

There are distinct differences between Supplemental Security Income and Social Security Disability Insurance, and they serve two different groups of people. Before you apply, it is beneficial to learn about these differences and understand your best option before you move forward with a claim.

Understanding SSI and SSDI

The most significant difference between these two programs are the eligibility requirements. Basically, if you worked for a certain amount of time and paid into the Social Security system, you could be eligible for SSDI benefits. If you did not, you will have to apply for SSI. Potential applicants may find it beneficial to remember the following:

  • SSDI: In order to be eligible, you must have a certain work history that qualifies you for benefits. You must also have a disability expected to last for a period of at least one year. The amount of benefits you could receive depend on how much you work and how much you paid into the system
  • SSI: Money from these benefits comes from tax revenue. Even without a certain work history or taxable income, you could still be eligible for SSI. In order to qualify for SSI, you cannot have more than a specific amount of money or assets valued over a specific amount.

These are the basic eligibility requirements for both of the types of benefits you can apply for. The application process for each is complex, and it is likely your initial claim will come back denied. It is beneficial to seek guidance and support for the entire claims process.

Fighting for the type of support you deserve

Securing disability benefits is not an easy task. The claims process is fraught with complications, and many people find themselves frustrated to learn that their claim came back denied. You do not have to walk through this process alone, but you can seek the support needed to complete the application, deal with any appeals and confront any other challenges. 

You might find it helpful to seek a complete evaluation of your case, including an explanation of the differences between SSDI and SSI before you apply.