Understanding The Difference Between Supplemental Security Income And Social Security Disability Insurance
At Robert J. Dodd Jr., Co., L.P.A., our lead Social Security Disability attorney, Maureen Dodd, has been assisting clients throughout Ohio with applications for disability benefits for decades. Our firm can help you understand your options and pursue the Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) you need and deserve.
For a free consultation, please call us at 740-693-1208 or send us an email. Our disability law attorneys have offices in New Lexington, Zanesville, Marietta and The Plains, and we represent clients with disabilities throughout Ohio.
Two Types Of Social Security Disability Benefits
There are two types of disability benefits that are available from the Social Security Administration (SSA). The two types of disability benefits are 1) Supplemental Security Income (SSI) and 2) Social Security Disability Insurance (SSDI, or often called SSD). With either type of assistance, the applicant’s disability has to meet the strict criteria set forth in the SSA’s definition of disability in order to qualify for benefits.
What Is Social Security Disability Insurance (SSDI)?
SSDI benefits are available to workers who can no longer work because of a disabling condition. With SSDI, disability benefits are:
- Based on employment records and earnings history (which can be yours, a spouse’s, or your parents)
- Not dependent on need, with no income or resource caps
- Not affected by other income but can be subject to an offset due to your receipt of other disability benefits
- Not affected by the income of other family members who live with you
In addition, SSDI benefits are available for eligible family members. With SSDI, eligibility for disability assistance depends on a work credit system, designed to analyze how long you were an active participant in the workforce. In other words, you must have a minimum number of work credits to be eligible.
What Is Supplemental Security Income (SSI)?
SSI benefits offer need-based financial assistance and are available to disabled individuals who have limited income and assets. With SSI, the benefits are:
- Based on financial need
- Not based on employment history
- Not available for family members in addition to the recipient
- Potentially affected by other income or resources
- Potentially affected by who lives with you and where you live
As a needs-based program, there are financial thresholds for SSI. Therefore, the application process will consider your income and any resources from other parties, such as who lives with you and if they provide financial support to cover household expenses. The Social Security Administration will also consider your living situation and how much it costs for you to live there. Once SSI benefits are granted, financial records are reviewed annually.
Contact Us For A Free Consultation
At Robert J. Dodd Jr., we have decades of experience helping clients apply for disability benefits. Call us today at 740-693-1208 or send us an email to schedule a free consultation. We will answer any questions you may have and help you assess which disability benefits you may be eligible to receive. Our disability law attorneys represent clients throughout Perry, Muskingum, Washington and Athens counties and the surrounding areas.