SSI Versus SSDI

Most applicants for Social Security Disability do not know that there are two programs for disability benefits.  Hopefully we can clear up some of the differences, but if you still have questions, you should chat with an SSI Attorney. For Boise, ID call 344-3044 or for Nampa call 466-2972.  Good Social Security Disability Attorneys can quickly clear up the issues for you.

SSDI is also known as the Old Age, Survivors, and Disability Insurance Program, or Title II.  This is really an insurance program that you pay into when you are working.Our Boise Disability Attorneys can help get you approved.  Each paycheck has an amount deducted from it to cover your “premiums”.  To receive SSDI benefits, you must have earned enough work credits.  As a general rule of thumb, you need to have worked 5 of the last ten years and you must have a certain number of total lifetime credits.  As a basic rule, for those who are older, they must have worked at least 10 years during their lifetime.  SSDI benefits are benefits you have earned and deserve to get.  When you make a claim for these benefits, its very similar to making a claim on your car insurance—It is NOT welfare or entitlement benefits.

SSI is also known as Supplemental Security Income or Title XIV benefits.  These benefits are for those who are disabled and have not worked to earn enough credits for SSDI, but who are very poor in terms of income AND financial resources.  As a rule of thumb, you are not allowed to earn more than approximately $700/month, though this amount changes from year to year.

SSDI benefits are generally more than SSI benefits and there is a difference in the medical benefits you will receive.  If you qualify for SSDI disability benefits, you will also qualify for Medicare after you have been eligible for SSDI benefits for two years.  If you qualify for SSI disability benefits, you will be eligible for Medicaid benefits immediately.  Some folks find that the medical benefits are the most important to them and want the Medicare that comes with SSI disability benefits even though they qualify for SSDI disability benefits—unfortunately, you don’t get to choose which one you get.  If you have enough work credits, you get SSDI and will not get SSI.

If you have questions about SSI or SSDI disability benefits, call an SSDI Attorney Boise number 344-3044 or SSDI Attorney Nampa number 466-2972.  You will speak with expert and local Boise, ID or Nampa disability attorneys who can give you a free consultation to help you determine if you should apply for Social Security Disability benefits.  Advocate Disability Attorneys for the Disabled works with clients all over Idaho and the Pacific Northwest, as well as Utah, Nevada, California and Arizona.

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