SSDI vs. SSI: Differences and Benefits

Several benefits programs under the federal government offer financial assistance to persons with disabilities and seniors. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two common programs administered by the SSA (Social Security Administration).

Let’s look at them in a bit more detail.

Supplemental Security Income Program

Supplemental Security Income program offers basic minimum financial help to seniors and people with disabilities (regardless of their age) with little or no financial resources. SSI benefits from SSA are usually supplemented by other state programs.

Social Security Disability Insurance Program

SSDI programs offer financial benefits to people who are physically disabled or have a severe medical condition that disallows them to continue their work. They must have a qualified employment record, either via their work history or a close family member (parent/spouse).

The Difference Between SSDI and SSI

One of the primary differences between the two is that SSI is determined based on age, disability, and limited sources of income. On the other hand, SSDI benefits are determined on disability and work credits.

In most states, the receiver of SSI benefits qualifies for their health care coverage via Medicaid. A person receiving SSDI benefits qualifies for Medicare coverage after twenty-four months of receiving their disability benefits. However, people with ALS or amyotrophic sclerosis qualify for Medicare immediately.

Comparison between SSDI and SSI

Factor

SSI

SSDI

Eligibility

Age (more than 65) OR disability (any age) OR blindness (any age) AND no or limited income

Enough work credits AND disability

Average monthly benefits

$577 (Nov. 2020)

$1,128 (Nov. 2020)

Maximum monthly benefits

$794 in 2021

 

 

$3,148 (2021)

Health insurance

The person automatically qualifies for health coverage via Medicaid when SSI is approved

The person automatically qualifies for health coverage via Medicare 2 years  (24-months) after benefits begin

If you want to apply for SSD benefits in Arkansas, The Law Offices of Lisa Douglas can help you. Lisa Douglas is a practicing social security disability lawyer in North Little Rock, AR, with a background in nursing.  

Lisa Douglas is also a personal injury and medical malpractice lawyer who can help you win your fair compensation in case of medical malpractice and car accidents. Contact her office today to learn more about her services.

 

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