Struggling with a disability is never easy, though millions and millions of people across the country do it every day. Sometimes, a little additional income can help make ends meet that could otherwise be impossible.
If you’ve lost some income due to a disability, aid from the federal government is possible in the form of SSI and SSDI benefits. But what is the difference between these two similar but separate programs?
Understanding SSI vs. SSDI benefits can help to ensure you get the proper assistance that you really need. Read on and we’ll walk you through the similarities and differences that you’ll need to know.
What Is Social Security Income?
Social security income, or SSI, is the standard social security payout you expect to hear about when you think of retirement assistance. SSI payouts provide the minimum and standard level of financial assistance to eligible older adults.
The requirements for this kind of assistance are well-documented, though these types of payouts can be given to those who are living without disabilities.
Often, the payout of this kind of program is also supported by state governments in addition to the federal government.
What is Social Security Disability Income?
The social security disability income program works similar to the SSI but is specifically focused on former workers with disabilities.
The work history element is a big part of the SSDI system, as a person will have needed to reach a certain amount of work-hour credits before becoming eligible.
It’s harder to become eligible for SSDI payments than SSI. This is because the payouts tend to be much higher, sometimes even double that of the SSI program.
Understanding SSI vs. SSDI Benefits
There are many similarities between the benefits that SSI and SSDI offer. Both programs will sign eligible members up for Medicare, though there is a much longer waiting period for those receiving SSDI benefits.
Often, a person receiving SSDI benefits will need to wait as long as two years before becoming eligible for Medicare coverage.
Both programs can be hard to be found eligible for. People are rejected all of the time when they don’t meet the government’s qualifications. This is why some people hire attorneys for SSI benefits, to help argue their case and push through to a positive outcome.
Despite what many people believe, it is possible to apply and obtain benefits through both the SSI and SSDI programs simultaneously. It just depends on your qualifications and if you can be approved for both programs. Many types of disabilities are covered, but not all.
Make the Most of SSI & SSDI Benefits
If you’re applying for social security aid in the near future, you’ll want to take the time to understand SSI vs. SSDI benefits. Both programs can be helpful to those suffering, but there are differences that you’ll want to get familiar with.
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