Deciding which disability benefits program to apply for can be daunting to figure out. Exploring what Social Security Disability Insurance has to offer compared to Supplemental Security Income may help simplify this decision. Find out which program might be best for your unique situation by looking at the pros and cons of each one. You can also talk to a Philadelphia disability lawyer if you have any questions.

What is Social Security Disability Insurance?

The Social Security Administration (SSA) offers two main disability benefits programs, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). These programs offer similar cash benefits for the cost of living and health insurance. However, there are some crucial differences in terms of eligibility for each program.

SSDI benefits require a certain number of work credits. Work credits are usually collected through past work history. In other words, you will need to have worked a certain number of years to be considered for SSDI. These jobs must have also paid into Social Security.

Job history is often more straightforward than the criteria for meeting the SSA definition of a disability. The SSA defines a disability as a mental or physical condition that significantly hinders performance at work. Not only must the disability impair current work performance but a disability must also prevent you from working at past or future jobs.

SSDI and SSI benefits do not cover short-term or temporary disabilities. The disability must be expected to last at least one year. One of the only exceptions is if the disability is terminal and will lead to a premature death. SSDI provides health insurance through Medicare.

Consider contacting an experienced Philadelphia disability lawyer to navigate the complex application process for disability benefits. A lawyer can help you prepare and defend your disability claim.

How Supplemental Security Income Works

Unlike SSDI which is based on work credits, Supplemental Security Income (SSI) is based on monthly income and financial assets. SSI is designed for those who make below a certain level of monthly income. Anyone who makes more than this monthly threshold will not likely qualify for SSI benefits.

Not only that, but you must also not have more than $2,000 in financial assets in most cases if you are single. The threshold for couples is usually $3,000 in the majority of situations. Lastly, you must meet the SSA definition of a disability.

Once you qualify for SSI benefits, you will also gain access to health insurance through Medicaid. This combined with monthly income from SSI can help you pay for basic living costs and medical bills.

Some people can still lose their disability benefits depending on certain changes in income or disability severity. Consult with a lawyer to learn more.

Contact Edelstein & Nelson for Legal Aid

Navigating the disability benefits application process can be confusing. Feel free to talk to a Philadelphia individual disability insurance attorney to explore your options for disability benefits and the steps required. Start by calling Edelstein & Nelson today at (800) 300-0909 for a consultation about what steps you can take. Our experienced team of lawyers is prepared to help you increase your chances of receiving disability benefits.