social security disability

SSDI and SSI: What’s the Difference?

If you suffer from a disability, you may be entitled to Social Security disability benefits. The two primary types of Social Security disability benefits are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Below is an overview on the difference between SSDI and SSI. 

What is SSDI?

Social Security Disability Insurance (SSDI) provides financial assistance to individuals who are disabled and have a qualifying work history. 

What is SSI?

Supplemental Security Income (SSI) provides financial assistance to elderly people and individuals with disabilities who have limited income and resources. SSI benefits are usually supplemented by state programs.

The Primary Difference Between SSDI and SSI

The primary difference between SSDI and SSI is that SSI eligibility is determined based on age, disability, income, and resources, while SSDI eligibility is determined based on disability and work credits. Also, in most states, SSI recipients automatically qualify for Medicaid. SSDI recipients, on the other hand, with some exceptions, automatically qualify for Medicare after 24 months of receiving disability payments.

Qualifying for Both SSDI and SSI

It is possible to qualify for both SSDI and SSI. You may qualify for both SSDI and SSI if you have a qualifying work history and limited income and resources. 

Applying for SSDI and SSI

In order to apply for SSI online, you must be an adult with a disability. However, SSI applications are not available online for people applying for a child under the age of 18 with a disability or a non-disabled person over 65 years of age. These individuals must visit a Social Security office in person in order to apply for SSI. Applicants of any age may apply for SSDI benefits online, however. Individuals may also apply for SSDI by visiting a local Social Security office. 

Disability Defined

In order to qualify for Social Security disability benefits, your condition must qualify as a disability pursuant to the Social Security Administration’s (SSA) definition of the term. The SSA uses a strict definition of disability that takes into account an applicant’s ability to perform work and the projected length of his or her disability. In order for the SSA to assess your medical condition, you must submit medical records along with your application. 

Contact Our El Paso SSDI and SSI Attorney 

If you suffer from a disability in Texas, you should contact a Texas SSDI and SSI attorney for assistance. When you choose attorney Jon Sipes to handle your SSDI or SSI claim, he will utilize his extensive knowledge and experience to walk you through the SSDI or SSI application process. Jon Sipes regularly helps disabled individuals obtain SSDI and SSI, and he understands what it takes to obtain benefits under the SSDI and SSI programs. If you’re ready to get started, please contact us as soon as possible to schedule a free consultation.