Thursday, May 19, 2022

What’s The Difference Between Social Security And Social Security Disability

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How Do I Apply For Ssdi Or Ssi

The Difference between Social Security Disability and SSI Disability

If you’re applying for Social Security disability insurance , you can file your whole claim online on Social Security’s website.

If you’re applying for SSI, you can get started on Social Security’s website, but you might not be able to file the entire application online unless you’re also applying for SSDI at the same time.

If you can’t file online, or you’re not comfortable online, call Social Security at 800-772-1213 to start your claim. For more information on applying for either SSDI or SSI, see our article on applying for Social Security disability benefits.

Ssi Cover Your Assets

SSI, on the other hand, doesn’t have any insured requirement, and unlike SSDI, the program did not exist in its current form until 1972 . Prior to that, it was known as the ‘Aid to the Aged, Blind and Disabled’ had been delegated to the various states. In 1974, the Nixon administration decided to shift the program to a federally administered program.

What is unique to SSI is the eligibility requirements. The program was intended to provide for the needy, and in 1974, the program set forth eligibility based on income and resources. The income restrictions are both stringent and complex, depending on marital status and whether income is classified as ‘earned’ or ‘unearned.’ The resources component is easier to state: you must not own assets worth more than $2000 for a single person/$3,000 for a married couple. .


This only scratches the surface of all the ways SSDI and SSI are interrelated. If you have questions about whether you’re eligible for SSDI, SSI, or both, speak with a qualified SSDI attorney as soon as possible.

The Social Security disability lawyers at Coats & Todd have been providing knowledgeable guidance and exceptional legal services to the residents of Texas for over 20 years. We have a comprehensive understanding of the disability process and can help you file an effective claim that bypasses the appeals process. If necessary, our legal team is prepared to represent your case all the way to the Supreme Court.

A Brief Synopsis Of Ssdi & Long

Social Security Disability Insurance is a federal program that provides assistance to people with disabilities. This is a program you have paid into since you started working. Only individuals who have a disability and meet medical criteria may qualify for benefits.

Long-term disability insurance is a benefit often provided by employers through an employee benefits program or is paid for by individuals.

The purpose of both SSDI and long-term disability insurance is to provide income if you are suddenly unable to work due to a disability or disabling condition. The end-game for both programs is the same: gain financial support when youre unable to earn a wage.

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Social Security Disability Insurance Ssdi

  • Based on medical/mental disability and work history. You must have a disability that is approved by SSA and that you will either not be able to work for 12 months or you are terminal.
  • Income is not a factor in SSDI eligibility. Work history in the last ten years is critical. Applicant must have enough work credits and half of them must have been in the last five years.
  • Those who are eligible for SSDI are automatically eligible for Medicare two years after starting SSDI. Most recipients either purchase Gap Insurance or a Medicare Advantage Program and Drug Program.
  • SSDI is paid depending upon your last name either early, middle or end of the month.
  • Approval rates are higher for SSDI than for SSI because applicants have higher incomes and long work histories.
  • More men than women are approved for SSDI.
  • SSDI is paid out of the Social Security Trust Fund that comes from the payroll taxes FICA that workers and employers pay for Social Security and Social Security Disability Insurance.

About The Author

Susan Dover

Susan is one of the leading Social Security experts in the country. She is driven by a passion for helping people access the benefits that they have earned.

How Can A Disability Attorney Help You Understand Long Term Disability Vs Social Security Disability

What is the difference between Social Security Disability ...

When reviewing long term disability vs social security disability, its important to understand that LTD benefits and SSDI benefits often go hand-in-hand. Disabled individuals often simultaneously benefit from both benefit types of benefits.

To help understand long term disability vs social security disability contact our office today. We can also discuss your obligation to apply for SSDI benefits, how your benefit amount might be affected, how dependents can change your LTD offset, and what to do with your Social Security back pay, you need an attorney. Attorneys who handle both types of disability benefit claims can tell you what you need to know about long term disability vs social security disability.

The attorneys at ARM Lawyers, can also help you apply for both LTD and SSDI benefits and help you to appeal a denied claim. If youre ready to learn more about the types of disability benefits that may be available to you, call us now at .

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What Is The Ssdi Program

The SSDI program provides benefits for applicants suffering from physical or mental impairments that keep them from working. To qualify, you must have a medical condition that meets the SSAs stringent criteria and it must prevent you from being able to do any kind of work. Your illness must have also lasted at least 12 months or your doctor must expect it to. If you have a terminal illness, you may also qualify.

In addition to these requirements, you must have an adequate work history.

For a free legal consultation, call

Find Out If You Qualify For Both Ssi And Ssdi

We encourage you to discover if you areeligible for both SSDI and SSI in order to maximize the benefits that you are receiving. If you think you may qualify, it does not hurt to apply. For more information and guidance through the process, call our Pennsylvania attorneys at Rubin& Badame, Attorneys at Law, P.C. We are eager to put our years of experience to work for you.

For assistance with SSDI and SSI applications, hearings, and appeals, or to learn more about the the difference between SSI and SSDI, contact us today for a free consultation at.

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Social Security Disability Insurance

If you meet the SSAs definition of disabled and have a significant work history, including recently earned work credits, you are probably insured under the SSDI program. Other facts include:

  • Eligibility for Medicare benefits is generally about two years from the date the SSA determined your disability began.
  • Amount of monthly benefit is based on what you earned and paid into the system .
  • You can work and earn up to $980 per month while receiving SSD.
  • Your spouse and children may also qualify for disability benefits based on your work history.

We can answer your questions about Social Security Disability, and we can provide you with the advice you need throughout your case.

Key Difference Social Security Vs Ssi

The Difference Between Social Security Disability Benefits (SSDI) & (SSI)

Independent agencies in governments of countries operate a number of programs for the benefit of the citizens. Social Security and SSI are two such programs offered by the Social Security Administration in the United States. The key difference between social security and SSI is that Social Security is a program that provides a number of benefits for persons including retirement income, disability income, Medicare, and death and survivorship benefits whereas SSI is a national income program designed to provide assistance to aged, blind, and disabled persons and children who have little or no income to fulfil basic needs.

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What Are Social Security Retirement Benefits

Over 70% of the people receiving Social Security benefits are receiving retirement benefits. The retirement benefit is only available for those who are at least 62 years of age. Eligibility for retirement benefits requires that the recipient has earned at least 40 work credits, with four credits available for each year worked. In 2015, the method of calculating eligibility for work credits changed, assigning one work credit for every $1,220 in earnings as opposed to the amount of time worked.

Social Security retirement benefits can be affected by your age, when you begin to draw benefits, and the average of your 35 highest-earning working years. Theres also a cap on how much can be received as a retirement benefit. Partial benefits can be paid at age 62, with full benefits available at age 65 to 67, depending on your birth year. In most cases, retirees benefit most from waiting until they can receive a full benefit at age 70 because the amount of the benefit increases by up to 8% each year between age 62 and age 70. However, there can be exceptions to this rule and households with retirees who retire at different times should research their options carefully. The difference can mean tens or even hundreds of thousands of dollars in Social Security benefits that you may or may not receive as a household, depending on your choice.

Workers who become disabled later in life may also have the option of filing for disability benefits as opposed to retirement benefits.

What Is Social Security Disability Insurance

Social Security Disability Insurance is the program most people think of when they hear disability benefits. It is commonly known by the initials SSDI, or just SSD, or even DIB .

This program is for insured workers, their disabled surviving spouses, and children. In order to qualify, or to be considered insured, you must have worked five of the past ten years before you became disabled. You must either be permanently disabled or have a disability expected to keep you from working for twelve months or more.

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What Is The Difference Between Ltd And Ssd

LTD and SSDI are separate and distinct types of disability benefits. Long-term disability is a type of private insurance that is most commonly offered to an employee through his or her employer . Typically, the employer or the employee will pay a monthly premium amount to an insurance company. In the event that the employee becomes disabled, regardless of whether or not the disability is related to work, LTD benefits will pay a percentage of the employees lost wages. Usually, this percentage is approximately 60 percent.

SSDI, on the other hand, is for people who have paid into the Social Security insurance fund and incur a disability that leaves them unable to be gainfully employed. SSDI benefits are awarded in a monthly amount, which is determined by how much the employee has earned on their Social Security record.

So you can see when comparing long term disability vs social security disability that each presents a separate and distinct type of benefit.

Does Long Term Disability Affect Ssi

If Your SSI Was Denied Will Your SSDI be Denied Too?

Yes. Because SSI has income limitations, any amount you receive in long term disability payments will lower your SSI payments. In most cases, because SSI payments are so low, any LTD benefit could complete eliminate your SSI eligibility. This, of course, highlights the importance of hiring an SSI attorney from the beginning of the process. We can tell you from the beginning whether you will have an issue pursuing both SSI can LTD.

In most cases, LTD will be preferable to SSI. You can always apply for SSI later in life if necessary .

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Eligibility Requirements For Ssdi And Ssi

The SSI disability program has different eligibility requirements than Social Security Disability Insurance . To be entitled to SSI benefits, you must be a U.S. citizen who meets the requirements set by the Social Security Administration .

to qualify for SSI benefits you need to present medical evidence that your disability will last for at least one year. Your total countable income should also be below listed Supplemental Security Income levels. The SSI amount differs from state to state.

In both SSDI and SSI cases, a claimant’s medical records will be checked periodically to be sure the individual is still disabled.

The Social Security Administration will review your condition every 3 to 7 years, depending on your disabilitys nature. Once youre awarded SSI disability benefits, your financial records will be reviewed every year.

Ssd Payable Benefits And Duration

Payable benefits for SSD are calculated based on a workers previous earnings, or the average indexed monthly earnings : This calculation is an average of the workers earning over the lifetime of employment.

Eligible workers receive benefits equal to the primary insurance amount . PIA is adjusted annually per changes to the national average wage and the consumer price index. In 2017, the average SSD recipient received $1,171 per month or about $14,000 a year.

SSD recipients are grouped in one of three categories:

  • Medical Improvement Expected

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How Much Is The Disability Benefit

The disability benefit is linked through a formula to a worker’s earnings before he or she became disabled. The following figures show how the disability insurance benefits compare to prior earnings for a worker who became eligible for benefits in 2014 at age 55.

Earnings Before DisabilityAnnual DI Benefit

*Average indexed earnings

The average benefit paid to disabled workers in June 2017 was $1,172 a month or about $14,064 a year.

Should I Get Professional Help

What Is The Difference Between SSDI & SSI? | Citizens Disability

If you need help filing an application for SSDI or SSI, or you want to appeal a denied claim, contact an experienced disability representative to discuss your options. Disability attorneys and advocates virtually always offer free consultations, and don’t charge a fee unless you win your case.

According to a survey of our readers, applicants who filed an initial application without help were denied 80% of the time. Getting help at the initial application stage gives you a good chance of getting benefits in just three or four months. That’s because a legal professional can help you complete your initial application for benefits in a way that’s accurate but persuasive. If you’d like help with your application, click for a free case evaluation with a legal expert.

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    Who Is Eligible For Di Benefits

    The Social Security test of disability is very strict. To be eligible for disability benefits, the Social Security law says that the applicant must be unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or is expected to last for a continuous period of at least 12 months. Furthermore, the impairment or combination of impairments must be of such severity that the applicant is not only unable to do his or her previous work but cannot, considering his or her age, education, and work experience, engage in any other kind of substantial gainful work which exists in the national economy ).

    A person is considered to be involved in substantial gainful activity if he or she earns more than a certain amount. If a non-blind individual earns more than $1,170 a month in 2017, he or she would not be eligible for disabled worker benefits. The amount is adjusted each year to keep up with average wages. The substantial gainful activity level for blind individuals in 2017 is $1,950 a month.

    State agencies, operating under federal guidelines, make the medical and vocational determinations for the Social Security Administration about whether applicants meet the test of disability in the law. Medical records, work history, and the applicant’s age and education are considered in making the determination.

    The History Of Social Security

    The Social Security system in the U.S. came into existence on Aug. 14, 1935, when President Franklin D. Roosevelt signed the Social Security Act into law. The first monthly benefits checks became payable on Jan. 1, 1940, and the first person to collect one was Ida M. Fuller, a retired legal secretary in Vermont. Her check was for $22.54.

    The system and its rules have evolved in the decades since. Today, Social Security is one of the largest government programs in the world, paying out hundreds of billions of dollars each year.

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    Can You Collect Both Ssdi And Ssi

    In order to be eligible to collect under both programs, not only must the person be considered disabled according to the Social Security Administrations definition of disability, but also his or her income and resources must be limited even after collecting the SSDI benefits.

    In order to be eligible for both SSI and SSDI, the person must not only be deemed disabled according to the concept of disability of the Social Security Administration , but also his or her income and resources must be limited even after the SSDI benefits have been received.

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