Summary
Learn the basics of Social Security Disability benefits, including the differences between SSDI and SSI and who may qualify.
Social Security Disability benefits provide financial assistance to people who are unable to work because of a serious, long-term medical condition. The Social Security Administration (SSA) offers two main disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).
What Is the Difference Between SSDI and SSI?
Although both programs provide benefits to people with disabilities, they have different eligibility requirements.
Social Security Disability Insurance (SSDI) is generally available to people who have worked and paid Social Security taxes for a sufficient period of time.
Supplemental Security Income (SSI) is a needs-based program for people with limited income and resources. Unlike SSDI, eligibility for SSI does not depend on having a certain work history.
Some people may qualify for both SSDI and SSI.
Who Qualifies for Social Security Disability Benefits?
To qualify for SSDI or SSI based on disability, you generally must have a medically determinable physical or mental condition that prevents you from engaging in substantial gainful activity.
Your condition must also be expected to last for at least 12 months or result in death.
In addition to meeting Social Security’s medical requirements, you must meet the eligibility rules for the specific program:
For SSDI: You generally need enough recent work history and Social Security work credits.
For SSI: You must meet Social Security’s limits for income and resources.
Can You Get Social Security Disability If You Have Never Worked?
You may be able to qualify for SSI even if you have little or no work history because SSI is based on financial need rather than work credits.
SSDI generally requires a sufficient work history, although different rules may apply in certain circumstances.
What If Your Social Security Disability Claim Is Denied?
A denial does not necessarily mean that you are not entitled to disability benefits. Social Security disability claims can be denied for many reasons, and applicants generally have the right to appeal a denial.
If you are applying for Social Security Disability benefits or your claim has been denied, Margolius, Margolius & Associates can help you understand the process and your options. Contact our office today for a free consultation.
