Depending on the severity and nature of your condition, the federal government has a few options for social security benefits. While some programs are awarded to those with substantial work histories in the U.S., others help people too disabled to make a living.
If you have done research into social security, there is no doubt you’ve heard of both SSI and SSDI benefits. While their names are similar, the Social Security Administration’s (SSA) requirements for SSI and SSDI benefits are quite different.
In the event you have sustained an injury or illness that makes you unable to work, you should consider applying for benefits.
What is SSI?
Supplemental Security Income (SSI) is a platform provided by the SSA that offers financial assistance to individuals who are permanently disabled and can’t work. Importantly, SSI has nothing to do with employment – you are eligible for SSI even if you have never worked.
As the AARP explains, SSI coverage is 100% “needs-based.” While it doesn’t pay as much as other programs like workers comp or SSDI, SSI can be a huge help for people who are severely disabled and have “limited financial resources.”
What is SSDI?
Social Security Disability Insurance (SSDI) is an SSA program that provides money to people who meet minimum work and medical requirements. Because the SSA has stringent criteria for SSDI coverage, many applications are denied.
While SSI is more related to your financial resources, the AARP explains, “SSDI provides payments to disabled people regardless of their financial situation.” Rather, qualification for SSDI is dependent on how many years you worked in the U.S., as well as having a medical condition that keeps you from working.
Can a Person Qualify for Both SSI and SSDI Benefits?
Certain individuals are eligible for both SSI and SSDI benefits. In fact, the SSA uses the term “concurrent” to describe those people who qualify for both benefits at the same time. However, if you receive both SSI and SSDI, it is very likely that one of the payments will be reduced or offset by the other.
The most important thing to remember about combining SSI and SSDI benefits is what the SSA refers to as “countable income.” Importantly, you are not eligible for SSI benefits if your countable income exceeds a certain amount. Since the SSA considers SSDI benefits as countable income, receiving monthly benefits beyond a certain total can cause you to lose out on SSI.
In the event you are eligible for both types of coverage, the amount of money awarded each month in SSDI benefits will offset what you receive in SSI. Basically, the more you are paid each month in SSDI, the less you will be paid in SSI.
How Do I Apply for SSI or SSDI?
Applications for both SSI and SSDI coverage are done with the SSA. Even if you are fluent in English, you are well-advised to work with the House of Justice on both applications.
Supplemental Security Income (SSI) Application
If you feel that you meet the eligibility requirements for SSI, then you can apply for SSI benefits directly with the SSA. Please remember, SSI benefits are only available to people who are blind, disabled, or over 65 years old – as well as unable to earn a living wage. Moreover, you must be a U.S. citizen, national, or qualified alien.
Social Security Disability Insurance (SSDI) Application
If you meet the minimum work history and medical condition requirements, then you can apply for SSDI benefits directly with the SSA. The only people that qualify for SSDI have worked and paid taxes for 5 of the past 10 years. Moreover, you must provide substantial medical evidence to prove you can no longer work.
Application Resources with the SSA
The SSA has an online portal dedicated specifically to SSI and SSDI applications. You can also call the SSA directly about your application at 1-800-772-1213.
Please note, it is extremely challenging to navigate SSA applications if you don’t speak English.
How Long Does It Take for My SSI or SSDI Application to Be Processed?
While the SSA has different requirements for SSI and SSDI benefits, wait times are similar between the two programs. Please note, there are often several steps to the application process. Since many people are denied SSI and SSDI coverage with their first application, the process often requires additional appeals and court hearings.
On average, you can expect to wait about 4 months to hear back on your initial application. If you are denied coverage and decide to appeal, you can count on at least another 4 months in the process – with some court hearings lasting up to 2 years.
The House of Justice Will Handle Your SSI and SSDI Claims
Having to deal with a debilitating illness or injury is bad enough. When you also have to fight to get social security coverage, it can be an extremely stressful situation. Luckily, the Spanish-speaking attorneys at the House of Justice are here to help with every step.
The House of Justice is experienced in filing both SSI and SSDI claims. By working with a skilled team who knows what to bring to the table, you will greatly increase your chances of being awarded the benefits you deserve.
Contact Us to start filing a claim!
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