SSI vs. SSDI: THE BIG DIFFERENCES

SSI and SSDI are two different programs administered by the US Social Security Administration.  And they are very different programs.

SSDI (Social Security Disability Insurance) - is where workers pay FICA tax into a trust fund through payroll deduction.  They earn "work credits" that can used to claim a benefit if they become disabled.

SSI (Supplemental Security Income) is a program for the aged or disabled who have very low incomes and very limited financial resources.  It does not require any work credits.

SSDI Maximum Benefit:  $2,788 per month.

SSI Maximum Benefit:  $750 per month

You can easily see that it's best to file an SSDI claim if you have sufficient work credits.  If you haven't worked, or haven't worked recently, SSI may be the only option available to you, however.

There is only one requirement to get SSDI:  You must meet Social Security's medical definition of being disabled. 

There are two requirements to get SSI:  

1)  You must meet the same definition of disability, plus
2)  You must meet strict household income and financial restrictions.

Your local Social Security field office can tell you whether you have the work credits needed to file for SSDI.  They can also advise you on whether you will meet the financial requirements for SSI.

Whether you file for SSDI or SSI, there is a high probability that you will be denied.  Social Security may say that you don't meet their medical rules for being disabled.  When that happens, you should file an immediate written appeal.  The appeal will eventually take you face to face with an administrative law judge who will review all your evidence and give you a new decision.

You are entitled to representation with our claim and with your appeal.  You cannot be charged for representation unless your claim is successful.  (That's the best guarantee I know of)!