Social Security is one of the most important programs in America. It provides benefits to help people who are retired, disabled, or have dependents. But what difference does it make if you receive SSI or SSDI? The main ones between these two programs will be covered below.
What Are SSDI And SSI
SSDI is a federal program that pays benefits to workers who have retired, become disabled or dieted and people take advantage of this all around the Sooner State. When you consult with a social security disability lawyer in Oklahoma about this, they will tell you that SSDI is not always a replacement for SSI. SSDI and SSI are both federal programs that provide monetary support to people who cannot work for a certain amount of time or at all due to disability, but they do this in different ways. SSI is the program you should look into if you have limited income and assets, while SSDI can be helpful even if you have some money saved up.
SSI was established by Title XVI of the Social Security Act and provides cash assistance based solely upon strict financial need criteria without regard to age, race, or marital status. An important difference is that SSI benefits are not earned through work credits as they are with SSDI payments. In order to be eligible for these benefits, your income must meet certain requirements set forth by SSA along with being below an asset limit. SSI benefits are also reduced if you receive income from other sources, such as Social Security retirement payments or pensions.
Which One Is For Whom?
SSDI is for people who have a long-term disability and cannot work. SSI is for people who have a short-term disability or are not able to work due to their age. Here are the ones who can use SSDI:
- People who are 65 or older (unless they have a short-term disability)
- If you get SSI, you can use SSDI to get medical care and buy prescriptions if your doctor says it is right for you.
- You can also use SSDI to get Medicare if you are getting SSDI payments and have worked long enough (or your spouse has).
- If you do work, SSDI will reduce the amount of money it pays you each month because you earn some income from working.
On the other hand, SSI is used by people who are 65 years old or older, blind or disabled. SSI is a federal program that has no work requirements and provides cash to meet basic needs for food, clothing, and shelter. SSDI recipients often have Medicare but these benefits do not extend to SSI beneficiaries unless they qualify based on their own earnings record in addition to the SSDI benefit amount.
Difference In Eligibility Factors
To be eligible for SSDI, you must have worked a certain number of years and earned a certain amount of money. In addition, you must be unable to work because of an illness or injury. If you want to be able to receive SSDI benefits, you need to understand the SSDI eligibility factors.
The SSDI eligibility factors are that you must have worked a certain number of years. Also, you must have earned a certain amount of money as well as been unable to work because of an illness or injury.
If you meet these three criteria, you may be able to receive SSDI benefits. Keep in mind that the Social Security Administration will also look at your age, education level, and work experience when determining whether or not you are eligible for SSDI benefits. If you do not meet all of the SSDI eligibility factors, don’t give up – there may be other disability programs available to you. Talk to a Social Security representative today to learn more about your options.
You’ll be eligible for SSI if you don’t have a job, you’re disabled, and your income and resources are low. SSI is a needs-based program, which means that the Social Security Administration looks at your income and resources to determine whether or not you qualify for benefits. In addition, SSI recipients must be disabled.
What Are The Benefits
The benefits of SSDI are paid monthly benefits that you can depend on. Some of these benefits include medical coverage, food benefits from SNAP or Supplemental Nutrition Assistance Program, and a wage subsidy to help with work expenses if they choose to keep working while receiving SSDI benefits.
On the other hand, the benefits of SSI are benefits that are provided to individuals who have a limited amount of income and resources. Some benefits include Medicaid, SNAP benefits, housing assistance, or subsidies for the SSI program recipients.
SSI and SSDI help people a lot but you need to know who is for whom as a start. There are different eligibility factors for each of these two, as well as different benefits. Do some research and see which one fits you. Good luck!