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SSDI or SSI: Which Disability Benefit is Right for You

By Edited Feb 10, 2014 0 0

Having a disability should not be the end of the world for a disabled individual. This is because there are several groups, organizations, and institutions that are willing to help and fund his medication and expenses. The Social Security Administration (SSA) for instance is a federal agency that provides two different types of disability benefits – the Social Security Disability Insurance (SSDI) and the Supplemental Security Income (SSI).

While both the SSDI and SSI provide benefits to disabled people, they apply to different groups of people. Here is an overview of the requirements and uses of SSDI and SSI:

Social Security Disability Insurance (SSDI)

SSDI (also known as SSD) is a disability insurance that can provide benefits to employees or former employees who have contributed to the SSA through their taxes. If they suffered a disability before they go to retirement, they can access their benefits through the SSDI. Here are some of the requirements of this disability benefit:

  • You should have worked 5 out of the last 10 years.
  • You should have a disability that is serious enough to keep you from work for at least 12 months.
  • You should obtain a medical certificate from a doctor who is recognized by the state where you are filing the claim.
  • Your disability should be included in the list of disabilities created by the SSA.

Supplemental Security Income (SSI)

Unlike the SSD, SSI is a needs-based program. This is because applicants are not required to have contributions to the SSA, neither are they required to have worked for a certain amount of time. The important factor that is considered in SSI is the applicant's "need". Below are the requirements to become eligible for SSI benefits:

  • You are over 65 years old, blind, or you have a disability.
  • You should be a bonafide citizen of the U.S.
  • Your income and assets should not exceed a certain amount.

As you can see SSDI and SSI are two entirely different disability benefits. Take note that their requirements are strictly observed by the SSA in order for them to identify people who really need financial support. If you have decided which disability benefit is right for you, next you need to do is get a legal representative for your application.

Obtaining the benefits offered by the SSA is not that difficult as long as you provide all the necessary evidence they require. If you have a trusted social security disability attorney in Los Angeles, you will have higher chances of getting approved.



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