Understanding the Difference Between Social Security Disability Insurance Benefits and Supplemental Security Income
If you are a person who is unable to work because of a disability, medical condition, or mental health disorder, it may be appropriate to pursue disability. There are primarily two different types of disability options depending upon your specific situation. Knowing the difference between social security disability insurance benefits and supplemental security income will be critical. While disability benefits may be necessary for a person who is no longer able to earn a living, the application process can be arduous. This may be a reason to contact a disability lawyer to help troubleshoot challenges and advocate for you.
Social Security Disability Insurance
Social security disability insurance is a benefit offered to those in the workforce who suffer a medical condition or mental health disorder that impacts their ability to continue working. SSDI benefits are paid out each month and help with a person’s basic needs and medical expenses while they are hurt. To qualify for SSDI, applicants must experience an injury that impacts their ability to work for at least a year, have a disability on the SSA impairments list, and have the minimum number of work credits. After 24 months, qualifying candidates can access Medicare benefits as well.
Supplemental Security Income
If you are a person with a disability, who is younger and unable to work because of their impairment, supplemental security income (SSI) may be the most appropriate option. Because SSDI requires work credits to be eligible, those who have not worked will not meet the criteria. SSI is more suitable for someone who has never been able to hold down employment because of their medical or mental health condition. Another thing to note is that SSI is typically for those with limited financial means, without any other resources. While access to Medicare starts immediately, typically, the allotted monthly benefit is less than SSDI.
As a person with a disability, applicants will need to determine the most appropriate type of disability benefit for their unique situation. When dealing with a medical condition, in addition to the pain you may be experiencing, the idea of pursuing a complicated application process for either SSDI or SSI may appear overwhelming. Additionally, denials for benefits are not uncommon and can add even further frustration. This is especially true when you hope for disability benefits to meet your medical care and basic needs. Contacting a lawyer may be critical and the best way to ensure that you receive the support you are so desperately in need of, especially when complications arise.
Whether you are managing an SSDI case or SSI, applicants must put their best foot forward. It may be a good idea to reach out to a disability lawyer for legal guidance and protection. In many cases, a lawyer can assist with having your case taken more seriously, strategizing, and providing the best possible support. IF you are suffering from a medical condition that impacts your ability to work, the process is sure to be overwhelming when also managing your care. To learn more about how experienced social security disability lawyers, like from The Law Offices of Mark T. Hurt, can help, schedule a consultation today.