Comparing SSDI vs SSI

Comparing SSDI vs SSI

Comparing SSDI vs SSI
Comparing SSDI and SSI is a tricky task. SSDA USA is here to help.

When it comes to disability benefits, there are two different federal programs – Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). If you are planning on applying for disability benefits, it’s important to understand the differences between SSDI and SSI.

Supplemental Security Income

SSI is a mean-tested program. This means it’s a federal program that qualifies applicants based on their financial need and not their work history. The program is generally for individuals who are elderly, blind, or meet the disability definition and who suffer from poverty. The following requirements must be met in order to qualify for SSI:

  • You must have less than $2,000 in assets as an individual
  • Must have less than $3,000 in assets as a couple
  • You must have a limited income
  • You must also meet the disability definition. Though, individuals over the age of 65 may qualify even if they are not completely disabled.

If you qualify for SSI benefits, then you will qualify for Medicaid benefits as well. Because Medicaid, which is a state and federal health care program, provides such comprehensive coverage, many people will often apply for SSI because of the health care that comes with it.

The one main drawback of SSI benefits is that they are typically lower than SSDI benefits. In fact, the average SSI payment as of 2019 is $771 a month for an individual and $1,157 a month for a couple, both of whom must be eligible for the SSI program. Additionally, any additional income you receive will reduce your SSI benefits.

Social Security Disability Insurance

Unlike SSI, SSDI is an entitlement program. The program does not take into account the income or assets of an individual. This means that you can apply for SSDI benefits even if you were earning a high income.

Because SSDI benefits are based on the earning records of an individual, payments can end up being quite high in some cases. Most recipients receive SSDI payments between $700 and $1,700 a month, although the average payment as of 2019 was $1,234 a month.

One of the other major benefits of the SSDI program is that recipients will be eligible for Medicare two years after they have begun receiving benefits. This is particularly beneficial since the medical costs as a result of disability can be incredibly substantial, and Medicare can help to cover those costs. You will have to meet the following requirements to qualify for SSDI benefits:

  • You are unable to work or meet the disability definition
  • Social Security covered your job
  • You are younger than 65
  • You have paid Social Security taxes on your income for at least a decade

If you are no longer able to work because of a disability, then you may qualify for either SSDI or SSI benefits. However, be sure you compare the differences and qualification requirements of SSDI vs SSI before you apply. Questions? Feel free to call Social Security Disability Advocates USA anytime at 602-952-3200, and feel free to contact us online and check out our LiveChat feature. Consultations are free, so don’t wait; contact SSDA USA for all your social security questions and concerns.

This is attorney advertising. SSDA, LLC is a group of attorneys that pursues claims for Social Security Disability benefits on behalf of its clients against the Social Security Administration. SSDA, LLC is in no way a part of the Social Security Administration. Further, the information on this blog is for general information purposes only. Nothing herein should be taken as legal advice. This information is not intended to create, and receipt or viewing does not constitute, a representative-client relationship.

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