Understanding Social Security Disability BenefitsBy Kenton Koszdin on December 14, 2021 | In Social Security Disability
Many people with disabilities do not claim benefits because they are unaware of their rights, are too embarrassed to ask for help, or find the system difficult to navigate.
The Social Security Administration (SSA) offers two programs through which disabled persons can claim monthly compensation – Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). These programs are unique and have very different requirements and eligibility criteria.
Here we have outlined the differences between the two programs:
Social Security Disability Insurance (SSDI):
- Social Security Disability (SSDI) benefits are applicable for individuals who have worked for a sufficiently long time and contributed to the program to claim benefits in case of disability.
- Depending on the number of years worked, the individual’s monthly benefit will be allotted based on accumulated work credits.
- To claim SSDI, the individual would have a disability expected to last longer than a year or lead to death.
Supplemental Security Income (SSI):
- SSI is usually applicable for individuals who have a work-related disability or blindness.
- This compensation benefit does not link to a person’s employment history. Instead, the program assesses their monthly income and limitation of resources.
- Workers who face challenges due to loss of income caused by injury or work-related disability and cannot sustain themselves and their families may qualify for SSI benefits.
The majority of Social Security Disability claims get denied at the initial application level. Sometimes one qualifies and meets the requirements of a particular program, yet their claim gets rejected. Other times, there may be missing or insufficient information available in your application that could result in the rejection of your claim. The two programs are easy to mix up, with similar initials and overlapping missions, but they are fundamentally different.
It is strongly recommended you consult with a Social Security Disability attorney. They will help you navigate the application process and, mitigate any resulting financial struggle. Working with an experienced attorney in Social Security disability cases ensures that you have the best chance of initially filing a successful disability application, avoiding the need for an appeal. Thus, it may be time to contact Kenton Koszdin Law Office today. We offer free office and in-home consultations at your complete convenience. Call 800-438-7734 or visit us online.