What is the difference between SSDI and SSI?
SSDI and SSI are the two major programs administrated by the Social Security Administration. Medically, the requirements for qualifying are the same. However, the eligibility requirements for both are different.
SSDI stands for “Social Security Disability Insurance.” Essentially, when you work, you pay federal income taxes. If work is sustained long enough and is recent enough, these taxes will insure you should you become disabled and unable to work.
SSI stands for “Supplemental Security Income.” SSI is the fallback for those who do not have enough work history, or their work history is too remote, to qualify for SSDI. SSI is a needs-based program and there are income and asset limitations for one to qualify.
There are several differences between the two programs including the monthly benefit amount, the health insurance that one will qualify for if approved, and offset potential due to earnings and other income resources. It is important to consult with an attorney early in your case.
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