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What Is The Difference Between Social Security Disability And Supplemental Security Income (SSI)



There are several different types of social security offered by the U.S. government. Social security is designed to help the most needy members of the population. If you believe that you qualify for social security disability insurance (SSDI) or supplemental security income (SSI), contact a social security lawyer as soon as possible.

Similarities Between SSDI And SSI

Individuals become eligible for both programs through having a disability, and both programs are administered by the Social Security Administration. However, the similarities end there. The two are completely different programs with different ways to apply, different terms and different subsets of eligible disabled candidates.

What Is SSDI

Social security disability insurance operates much like an insurance program in that you have to have a certain number of "work credits" before you can receive it. The program is paid for by your social security payroll taxes, and it is only available to wage earners and individuals under 65. It typically takes up to five months to begin receiving SSDI benefits, but if your disability falls within the Compassionate Allowance program, you may begin receiving your benefits sooner.

SSDI is similar to what many people think of as social security, the program that sends a check to retired people and allows them to have a fixed income. That form of social security is also based on an insurance program with regard to how many work credits they accrued and how much social security payroll tax they paid.

What Is SSI

On the other hand, supplemental security insurance is given solely based on your current income and resources. While your SSDI payments will depend on your reaching a certain number of work credits, SSI is given to low-income, low-net-worth individuals. It is available to adults 65 and older as well as disabled or blind individuals.

SSI is not what most people think of when they think of social security as the government program for retirees. It is paid for through general taxes and is a form of assistance to disabled or elderly individuals without an income or sufficient work credits to apply for SSDI or standard social security.

Contact a Lawyer Today

The world of social security is confusing at best. If you don't know whether you have the work credits for SSDI, whether you should apply for SSI or whether you should apply for some other form of benefits entirely, contact a social security lawyer for further consultation today!