What Is The Difference Between SSDI And SSI

When applying for social security, it is important to understand which program you may qualify for. Social security has two main programs.

The first program is known as Social Security disability income (SSDI). SSDI provides monthly income for those who are unable to work due to a disability.

To qualify for SSDI an applicant must

  1. have paid into social security through payroll taxes for five out of the last ten years,
  2. have a qualifying disability,
  3. that prevents them from obtaining gainful employment.

The five year payment into Social Security identified in item #1 can have been made by the applicant, their spouse, or in the case of a single applicant, a parent. Also, unlike SSI, there are no asset or income limitations to qualify for SSDI.

The second program is known as Supplemental Social Security Income (SSI). This program provides monthly income for those who have very little assets or income. Thus, if you have too many assets you will not qualify for this program.

However, there are methods to exempt a potential applicants assets so they are not considered during the application process. Thus, regardless of whatever program you feel you qualify for, it is crucial to hire a competent attorney to apply for Social Security benefits.

No matter what state you live in, contact me for a free consultation and for assistance applying for Social Security benefits.

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