At GAR Disability Advocates, we focus on securing two types of benefits for our clients: Supplemental Security Insurance (SSI) and Social Security Disability Insurance (SSDI). While both are similar in the sense that the Social Security Administration oversees them, they are ultimately two different benefits with two separate sets of qualifications. Read on to learn more about these qualifications and which benefits apply to you.
Differences in Purposes
Both benefits are paid out to those who are unable to collect income needed to survive due to an injury or disability. However, SSDI is an insurance that you must pay into through Social Security, while you don’t have to pay into SSI benefits. SSI is more of a need-based and means-tested program, while SSDI is an entitlement program for established workers who are suddenly unable to perform their essential tasks.
Differences in Financing
SSI is entirely funded by general revenue taxes, which are collected by the U.S. Treasury Department. Meanwhile, SSDI is indirectly paid for by taxpayers. When Social Security payments are taken out of checks, it helps to fund SSDI for those who need it. Since SSDI is based on how much one typically earns, this program will usually pay more than SSI will, with the difference being hundreds of dollars in many cases.
Differences in Qualifications
With both of these programs, the examiners at the Social Security Administration will take your disability and income into consideration. However, it is only with SSDI that they will consider your work record. This program focuses on the amount of “work credits” you have accumulated, and have different benchmarks for these credits depending on what age range you fall under. SSI determines qualifications by examining your assets, since these are benefits that are typically given to low-income individuals. Additionally, SSI recipients will also qualify for Medicaid, while SSDI beneficiaries are Medicare-eligible.
No matter which program you are seeking assistance from, GAR Disability Advocates will work for you to help win the benefits you are entitled to, without having to take the issue to court. For more information on how we can assist with these programs, contact GAR Disability Advocates today and request a free evaluation.