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SSD vs. SSI: What’s the Difference?

By Kenton Koszdin Law Office on June 12, 2013 | In Social Security Disability

The federal Social Security Administration (SSA) administers two benefits programs for people who are disabled if they meet the criteria for admission. Social Security disability (SSD) benefits are paid to individuals whose disabilities prevent them from working and who qualify for benefits based on their prior work records. Supplemental Security Income (SSI) benefits are paid to SSD recipients and elderly individuals whose incomes are limited.

In order to receive SSI benefits, you must be age 65 or older, blind, and/or disabled according to the definitions required to receive SSD benefits. If you are disabled and receive SSD benefits, however, you may find they are not sufficient to support you, especially if you did not work very long or worked for low wages. In this situation, you may qualify for SSI benefits, which may help you to make ends meet.

Qualifying for SSI benefits depends on your available income and resources. The SSA has specific rules for counting “income” and “resources.” As a rule, a person may own no more than $2,000 in resources to qualify for SSI. Those who qualify for SSI on the basis of disability may also be able to access free resources to help them find work, including the SSA’s Ticket to Work program. While some work income does count against SSI benefits, some disabled individuals are able to find sufficient work they can do to ensure they do not need SSI benefits.

At the Kenton Koszdin Law Office, our experienced southern California Social Security disability benefits attorneys can help you seek the benefits you need if you’re disabled or have a limited income. Contact us today to learn more.

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