The social security administration has been setup to run two different disability programs. A physically disable person can apply for the both of these disability programs. However, it is important to know basic concepts behind the disability programs so that your claim for the disability benefits will get approved easily. At first, let us come to the programs. The first program is Supplemental Security Income (SSI) and the other program is known as Social Security Disability Insurance (SSDI). In the following section, these plans will be discussed in detail. Along with that, the basic differences between the SSDI and SSI will be discussed.
Social Security Disability Insurance (SSDI)
Social Security Disability Insurance helps the workers who have become physically disabled to get their retirement benefits early. For applying for the SSDI, one should have good amount of work credits. If you have become disabled before 24 years age, you should have at least 6 work credits to apply for the social security for disability benefits. If disability happened between the age of 24 and 31 years, you should have at least 12 work credits. For people beyond 31 years, minimum 20 work credits must be shown for qualifying for the SSDI. The amount of your monthly disability benefits will be decided on the basis of the social security income record.
Supplemental Security Income (SSI)
The SSI benefits are given to the applicants on the basis of the financial needs of the adults or children who have become disabled. Not just disabled people, limited income people can also seek the benefits of social security for better living. You need to prove your disability through medical reports and documents. At the same time, low income should be proved with the right documents.
Differences between SSDI and SSI
- Differences in Types
The basic difference is that SSDI is an entitlement program, and on the other hand SSI is means tested program. Ssi Attorney Las Vegas has been provided to the financial backward section, elderly people and disabled people. However, SSDI is something different. It is for everyone, and it does not depend on the financial status of the applicant of the benefits under this program. That means a high income status person with disability due to accident in work place or other places can opt for such disability benefit.
- Differences in Medical Facilities
People under the SSI program can avail Medicaid which is a medical security program led by both the state and federal government healthcare department. People under the SSI get immediately qualified for the benefits under the Medicaid. SSDI beneficiaries can avail the Medicare benefits after two years of their eligibility to become beneficiary under the SSDI scheme. Medicare is basically a health insurance program of the federal government. It includes medical services in hospitals. But, it does not include the primary or routine medical care.
- Differences in Financial Benefits
There are differences in financial benefits for the SSDI and SSI beneficiaries. It is generally found that SSDI benefits are higher in terms of financial numerical than the benefits of the SSI program.