Stop! Do You Know the Key SSI and SSDI Differences?

Stop! Do You Know the Key SSI and SSDI Differences?

SSI and SSDI differences
Have questions on the SSI and SSDI differences? Call SSDA USA right away!

While there is only a one letter difference between SSI and SSDI, the two programs are quite different. It’s important to know which program(s) you qualify for and how you can maintain your eligibility. So, let us from SSDA USA explain the two programs in detail.

What are the Similarities?

Both SSI and SSDI are federally operated programs overseen by the Social Security Administration (SSA). Both programs aid people who are disabled, and both programs are subject to similar rules, according to the SSA. For example, you must meet the Social Security Administration’s definition of disabled to qualify for either program, and you must also earn under a certain amount. Even with this in mind, there are more differences between the programs than there are similarities.

What is SSDI?

SSDI stands for Social Security Disability Insurance. This is an entitlement-program that the SSA oversees. This means that financial need doesn’t necessarily play a part in eligibility for SSDI. SSDI aids people usually only if they earned a certain amount of work credits. This program essentially allows people who become disabled to take their retirement benefits early. The younger you are, the fewer work credits you need to qualify for SSDI.

Additionally, family members can benefit from your SSDI, whereas individuals with SSI can claim benefits only for themselves. Also, SSDI provides Medicare to its recipients after two years.

What is SSI?

SSI stands for Supplemental Security Income. This is a means-tested program overseen by the SSA that aids low-income individuals who are disabled, blind, or elderly. This means that financial need is a primary requirement, and that work history doesn’t necessarily play a part in eligibility for SSI. You do not need any work credits to qualify. However, SSI is a bit more strict. For example, your total assets cannot exceed a certain value. In addition, SSI offers Medicaid.

A Summary of Differences

SSDI is an entitlement program that requires work credits, while SSI is a means-tested program that helps those with a low income. SSDI members can sometimes claim benefits for their family members, but SSI members cannot do this.

Also, SSDI offers Medicare, while SSI offers Medicaid. In both SSI and SSDI, you must earn under a certain amount. However, only SSI looks at your total assets; in other words, your countable and uncountable income is analyzed. SSDI payments do count as income, so having SSDI could affect SSI eligibility. Though, it is possible to qualify for both programs at the same time.

Have Questions about SSI and SSDI Differences?

Social Security can be a confusing and frustrating pain to deal with, we know. But don’t keep your questions to yourself. Let one of our experienced professionals from Social Security Disability Advocates USA help you today. You can contact us anytime at (602) 952-3200. In addition, you can contact us online and check out our LiveChat feature. Our advocates are always available and ready to tend to your every Social Security concern, so don’t wait! Call SSDA USA today!

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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