Jon Sipes regularly helps disabled individuals obtain disability benefits in El Paso and surrounding Texas communities. He has a working knowledge of the eligibility requirements under the Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs. There are important differences between SSDI and SSI, and it takes a skilled disability lawyer to help you obtain benefits under either program.
When you consult with Jon Sipes, you will have confidence, knowing your benefits claims will be handled with care. Whether you are submitting an initial claim, need assistance with a disability appeal or have any questions about the disability benefits available to you, Jon Sipes will provide you with informed representation when you need it most.
What types of disability benefits does the Social Security Administration (SSA) provide?
The SSA offers two types of benefits to disabled individuals:
Social Security Disability Insurance (SSDI)
Benefits under the SSDI program are available to disabled individuals between the ages of 18 and 65 who have been into the Social Security system through tax deductions. To qualify, you must have enough work credits, which are based on your age and employment history.
Supplemental Security Income (SSI)
SSI is limited to individuals who are disabled, blind or over the age of 65, who have limited financial resources; however, children under the age of 18 who have a qualifying impairment are also eligible. The income and assets of the claimant must not exceed a certain amount, however.
What are the differences between SSDI and SSI?
Although SSDI and SSI provide financial assistance to disabled individuals, there are differences between the two programs.
SSDI is referred to as an “entitlement program” because it is available to anyone who has paid into Social Security for at least 10 years, regardless of his or her income or assets. By contrast, SSI is known as a “means-tested” benefit that provides assistance to elderly, blind and disabled individuals who demonstrates financial need. Because the program is funded by general tax revenues there are strict income and asset limits to qualify.
Another difference is the different health insurance benefits available under each program.
Recipients of SSDI are eligible for Medicare 2 years after they start receiving disability benefits, while SSI beneficiaries automatically qualify for Medicaid. Jon Sipes will work closely with you to make sure you receive these vital health benefits.
Finally, there are differences in the financial benefits available under the SSI and SSDI programs.
Monthly payments under SSI are based on the annual federal benefits rate (FBR); the rate in 2020 is $783 per month for individuals and $1,175 for couples. The rate is adjusted each year if there is a Social Security cost of living adjustment (COLA). In addition, SSI benefits may be reduced by income the beneficiary receives, so the monthly payment may be lower than those amounts.
On the other hand, SSDI is based on the beneficiary’s earnings record. Therefore the monthly payment is usually much higher than the monthly SSI benefit. Currently, payments average about $1,200 per month, up to the maximum benefit amount, which is $2788 per month.
How do I obtain Social Security disability benefits in Texas?
To obtain disability benefits, you must file an application by mail, online or with the local Social Security field office in your area. Because the application process is complicated, it is wise to have the advice and guidance of a knowledgeable disability attorney.
Jon Sipes will work closely with you to gather the necessary personal and financial information that must be provided. He will also collaborate with your doctor to develop a medical record that supports your claim. Above all, we will work to show that your condition meets Social Security’s definition of disability: an impairment that (1) is expected to last at least one year or result in death and (2) prevents you from performing any substantial gainful activity.
How Jon Sipes, Attorney-at-Law Can Help
If you cannot work because of a disability, you likely have concerns about finding the medical care you need and covering your bills and expenses. Jon Sipes, Attorney-at-Law, can help to address those concerns by providing you with compassionate representation and dependable service. When you consult with him, he will assess whether you qualify for SSDI or SSI and work tirelessly to help you get the benefits you need and deserve. Jon Sipes is keenly aware that living with a disability can be an overwhelming physical, emotional and financial burden, which is why he will not charge any attorneys’ fee until he wins benefits for you.
Contact Our El Paso SSDI and SSI Lawyer
If you are seeking disability benefits, turn to Jon Sipes, Attorney-at-Law. When you become his client, you will have peace of mind knowing that a dedicated advocate is in your corner. Please contact our office today for a free evaluation of your case.
Jon Sipes helps clients with SSI and SSDI benefits throughout Texas including El Paso, Alpine, Amarillo, Lubbock, Marfa, Midland, and Odessa.
This information included on these pages does not constitute legal advice and should be used as such. They are for informational purposes only.