Need-to-Know Information About SSD and SSI
The most basic difference between the Social Security Disability (SSD) and Supplemental Security Income (SSI) programs is that eligibility for SSD is based on a person's work history while eligibility for SSI is based on financial need.
At Ross & Schnarrs, we can help clear away much of the confusion caused by the SSA's complicated disability rules and requirements, and we can help you understand the key differences between these two programs. To schedule an initial consultation with one of our lawyers, call any of our southeast Pennsylvania office locations directly or contact us online.
Social Security Disability Insurance (SSD or SSDI)
If you meet the SSA's definition of disabled and have a significant work history, including recently earned "work credits" - you are probably insured under the SSDI program. Other facts include:
- Eligibility for Medicare benefits is generally about two years from the date the SSA determined your disability began.
- Amount of monthly benefit is based on what you earned and paid into the system (although there is a maximum monthly benefit that changes yearly).
- You can work and earn up to $980 per month while receiving SSD.
- Spouses and children may also qualify for disability benefits based on your work history.
To learn more, please see our FAQ on Social Security Disability.
Supplemental Security Income (SSI)
Some SSD recipients are able to obtain SSI benefits as well. That said, most people apply for SSI benefits because they do not have the work history that SSD benefits require. In addition:
- An individual recipient must have total countable assets totaling less than $2000 ($3000 per couple).
- Immediate medical coverage is provided through the Medicaid program.
- For most people the maximum monthly benefit provided by SSI is about $700 per month (this figure is adjusted yearly).
- Spouses and dependents are not covered unless they can meet SSI's eligibility requirements on their own.
To learn more, please see our FAQ on Supplemental Security Income.
Contact Ross & Schnarrs Today
With offices in Pottstown, Norristown and West Chester, our attorneys are able to handle SSD and SSI claims for people throughout southeast Pennsylvania. Contact us today to learn more about what we can do to help you obtain the disability benefits you need and deserve.
