The difference between SSDI and SSI is mainly the eligibility criteria required to qualify. Both are federal programs funded by the Social Security Administration (SSA) to support Americans with disabilities. SSI is reserved for individuals with limited income who may or may not be employed, whereas SSDI must provide a qualifying work history and proof that they have paid into Social Security.
Only those who are completely disabled qualify for SSDI. The disability is either expected to last a minimum of one year or until the person dies. There is no funding for short-term or partial disability.
The applicant must also show they have the appropriate number of Social Security credits for eligibility. Anyone who has worked for five out of the past ten years should have accrued enough Social Security work credits to qualify.
The claimant must prove that they cannot perform the type of job formerly held due to the complete disability. The person cannot take on other types of employment due to their age, skill level, education, prior work history, or the physical or mental impairment with which they were diagnosed.
Low-income people who are ineligible for SSDI may still qualify for Supplemental Security Income (SSI). This program is based entirely on financial need and is available to those who are blind or totally disabled, or over 65, with limited income and resources. The current resource limit is $2,000 per person or $3,000 for a married couple. SSI funds pay for food, shelter, and clothing.
Our Virginia Beach lawyers for Social Security disability can determine whether a client qualifies for SSI based on their income and personal assets.