If you’re disabled and struggling to make ends meet, you might be wondering if you can apply for Social Security Disability (SSD). The two main types of SSD benefits include Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). In this article, we will break down the differences between SSDI and SSI, and explore how you can receive both.
What Is Social Security Disability Insurance & Supplemental Security Income?
SSDI and SSI are both disability programs that provide financial support to people with medical conditions who can’t work. These federal programs have some important differences.
The Key Differences Between SSDI & SSI
SSDI is for people who have worked and paid Social Security taxes throughout their life. While SSI is for people with low income and limited resources and requires no work history to qualify.
Overview of SSDI
- SSDI is for people who have worked and paid Social Security taxes. In doing so, they earn work credits which allow them to be eligible for SSDI.
- Your benefit amount depends on your work history.
- Some sources of income may reduce SSDI benefit payments. This can include workers’ compensation, disability payments from a state or local government, and earned income.
- Assets you own do not impact your benefit eligibility.
- After 24 months on SSDI, you become eligible for Medicare.
- There is a 5-month waiting period (from your disability onset date) before benefits begin.
- You can receive retroactive back pay for up to 12 months’ worth of time prior to your application.
- SSDI is funded through payroll taxes.
Overview of SSI
- SSI is for people with extremely limited income and resources.
- You need to be at least 65 years old, visually impaired, or disabled to receive SSI.
- You do not need a work history to qualify for SSI.
- The benefit amount is standard and set by the government. There are different limits for individuals and couples.
- Other income sources can affect your benefit amount.
- Assets you own can impact your eligibility.
- In most states, you get Medicaid coverage with SSI.
- Benefit payments start the month after you file or the month after you qualify for SSI.
- You cannot receive retroactive back pay for any amount of time before your application date.
- SSI is funded by general funds of the U.S. Treasury.
Similarities Between SSI & SSDI
While SSDI and SSI have several differences, they share some things in common:
- Both managed by the Social Security Administration (SSA)
- Both use the same definition of disability (except in children’s SSI cases)
- Both programs distribute monthly payments
Can You Get Both SSI & SSDI?
Yes, you can get SSI and SSDI at the same time. This is called “concurrent benefits.” It happens when:
- You qualify for SSDI, but your benefit amount is lower than the income cap for SSI, AND
- You meet the income and resource limits for SSI.
In this case, you might get some money from SSDI and some from SSI to reach the full SSI benefit amount.
Frequently Asked Questions
When Can I Get Benefits?
For SSDI:
- There’s a 5-month waiting period to receive benefits after your disability starts, even if you file immediately.
For SSI:
- Benefits can start the month after you apply for SSI.
Can My Disability Benefits Change?
Yes, your benefits can change or stop. The Social Security Administration reviews cases regularly. Therefore, you may stop receiving SSDI or SSI if the SSA finds something about your circumstances has changed that affects your eligibility.
Some examples include:
- If your health improves, you might lose benefits if you are able to work.
- If you start working, it might affect your benefits.
- For SSI, changes in your income or assets, living situation, family composition, or status as a student can change your benefit amount.
- For SSDI, when you reach full retirement age, your benefits convert to Social Security retirement benefits.
Contact the Law Office of Gerard Lynch
Navigating SSDI and SSI in Houston can be tough. Fortunately, at the Law Office of Gerard Lynch, we’re your trusted partner in securing the benefits you deserve.
With over 30 years of experience in Social Security Disability law in Houston, TX, Attorney Gerard Lynch brings a wealth of knowledge to your case. Our team consists of dedicated professionals who truly care about your situation. We understand that each case is unique, and we approach every client with the individual attention they deserve.
Our experience spans all types of claims, including complex ones that other firms might turn away. We’re ready to tackle any challenge to ensure you get the benefits you’re entitled to.
What sets us apart is our deep understanding of the Social Security system. This allows us to navigate your claim effectively. Our commitment to you goes beyond just legal representation. We’re here to guide you through every step of the process, providing support and clarity when you need it most.
Let our SSI and SSDI attorney in Houston, TX, help you get the benefits you deserve. Contact us today for a free case evaluation. We’re here to fight for your rights and improve your chances of a successful outcome.
