SSI and SSDI claims: Can I Receive Both?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) claims differ in one aspect: SSDI is available for individuals who have gathered the required work credits, whereas SSI benefits are also available to low-income individuals, individuals who have never worked, or individuals without adequate work credits to meet eligibility for SSDI.

Other than this, both SSI and SSDI are disability benefits in the form of financial aid. Both are federally administered programs, managed by the Social Security Administration.

What is the SSDI?

Payroll taxes fund the financial aid provided by SSDI; therefore, SSDI is referred to as insurance. To be eligible for claims to SSDI benefits, individuals must have worked enough hours to gain the requisite number of work credits. There is no similar requirement for SSI.

Qualifying for the SSDI is a complicated process. Before submitting your claim for review, thoroughly study eligibility criteria and consult the list of medical conditions eligible for disability benefits. Even after a detailed study, more SSDI claims are rejected than approved.

What is SSI?

The SSI program is funded through general fund taxes and not from the trust fund of Social Security. It is a means-tested program, dependent on the financial requirement of the person applying for the benefits. To qualify for SSI, an individual may have less than $2000 in assets and minimal income.

SSI benefits begin on the month you submit the application. Here are some of the critical elements applicable to both, including SSDI and SSI differences laid out for easy referral:

SSDI SSI

Earning Capacity

of Applicant Work credits needed; Records of Social Security paid $2000 worth in assets; Minimal income

Medical Records

Needed All historical data for medical records, including proof of medical treatment, tests, caregiver and doctor references applicable to disability. All historical data for medical records, including proof of medical treatment, tests, caregiver and doctor references applicable to disability.

Waiting Period

for Benefits Minimum of five months, after a full month has passed from the date of disability. No waiting period applicable. Benefits begin in the month claim is filed.

Dependents Dependents such as spouse, young children, and elderly parents may be able to receive benefits. No aid applicable to dependents.

Can You Receive Both Simultaneously? Yes, it is possible to qualify for SSDI and get both SSDI and SSI benefits at the same time. At the time of disability, most potential SSDI beneficiaries meet the eligibility for SSI. SSDI benefits have a waiting period of five months whereas SSI has no waiting period. In most cases, there will be denials and appeals leading to a single claim taking some years to finally result in benefits. Between this time gap, disabled persons may be rendered totally incapable of fending for themselves, thus meeting the eligibility criteria for SSI benefits. SSI benefits thus awarded are terminated once SSDI aid comes in.

Only in few cases do some individuals retain their eligibility for both SSDI and SSI benefits. This can also happen when the SSDI aid is lower in amount than the SSI aid.

Call the Professionals Immediately

Facing disability, especially long-term, can be extremely scary. It is unfair that an individual needs to worry about the legal details and paperwork as well as about rejections and preparing for reconsiderations. SSI lawyers and SSDI lawyers are professionals best positioned to help out individuals facing disability and wondering how to meet the financial requirements without regular employment.

Call (855) 254-7841 for more information on benefits awarded for disability and how to strengthen your claim to increase your chances of approval for SSI or SSDI.

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