Many applicants get confused about the differences between Supplemental Security Income (SSI) disability claims and traditional Social Security Disability Insurance (SSDI) claims. There are some very important differences that will determine which type of claim you go with, as it largely depends on your work history. While you might be aware of the strict medical requirements for receiving Social Security disability, you should also be aware of what technical criteria you must meet.
Past Earnings
You do not have to produce a record of past earnings or employment taxes to be technically eligible for SSI disability. In simpler terms, SSI disability is a type of welfare program, as you do not qualify if you have substantial assets or income. This program is simply meant for people who have not worked and paid enough in taxes to be insured for SSDI, but are disabled. Keep in mind that because SSI disability is closer to a welfare program and not based on past earnings, the monthly benefit amount is much lower than SSDI.
SSI or SSDI?
In most cases, it is beneficial for you to apply for SSDI if you are eligible based on your work history, since you will generally receive more money if approved. It is usually best to file an application for both SSI and SSDI benefits to make sure that you receive all the benefits you are entitled to. There are cases when a claimant is approved for SSDI benefits, but due to a 5 month waiting period for SSDI, they are also eligible for 5 months of SSI benefits. There are other cases in which a claimant may have paid very little in taxes and they are insured for very little in SSDI benefits, so it would be in their best interest to also file for SSI to make sure they receive all of the benefits they deserve. If you are unsure about what type of disability benefit is best for you, meet with an attorney before filing an application. That way, you can be certain that you are filing the correct application and that you receive all the benefits that you deserve. click to investigate
