There are stringent requirements to meet, and you must submit the correct paperwork. In order to improve your chances, you should talk to a disability lawyer before filing your claim. Call 800-800-8888 now, for a no-obligation claim evaluation with an experienced and helpful Isaacs & Isaacs Social Security disability attorney.
What Is the Difference Between SSI and SSDI?
SSI stands for Supplemental Security Income [link to the Supplemental Security Income page]. These benefits are available for disabled people who have never worked or haven’t worked long enough to earn the required credits to be insured by Social Security. Benefits are paid out of the United States Treasury general fund. In order to receive SSI, you must provide proof in the form of ample documentation that you are blind, disabled or over age 62 and that you have limited assets and resources.
SSDI stands for Social Security Disability Insurance. SSDI is for disabled workers who worked long enough to qualify for Social Security, but their disability prevents them from working up to the age when Social Security retirement benefits are available. For instance, if you are 38 years old and find out that you have cancer, and you must take off work and undergo medical treatment. If you’ve been working since you were 19, you will have enough income credits to qualify for Social Security Disability Benefits.
Unlike SSI, you can have assets, and your spouse can have assets. But you cannot earn income above $1,330 a month if you’re disabled and $1,820 if you’re blind. You can collect SSDI no matter how much money your spouse earns and even if you receive payments from stocks and other investments. SSDI only sets a limit on earned monthly income.
Does SSDI Provide Health Coverage?
Social Security Disability Medicare is available after two years of onset of disability, with exceptions for dialysis patients and people with Amyotrophic Lateral Sclerosis. You could qualify for Medicaid in the interim, depending on which state you live in and how much income you have. Medicaid is medical coverage for those who receive SSI.
If all this seems complicated, it is. In order to maximize your coverage and make sure that you are approved for benefits when you need them most, you should seek legal advice.
Call Isaacs & Isaacs Skilled and Experienced Disability Attorneys Today
The Social Security disability advocates at Isaacs & Isaacs will be happy to give you a free claim assessment and answer your questions. We want to see folks get the help they need to make ends meet and be okay if they are sick or disabled. We understand how difficult it is to win either an SSI or an SSDI claim without the help of an attorney who is experienced in disability law.
You have nothing to lose and a lot to gain by seeking legal advice. Call 800-800-8888 anytime, or fill out our online form to speak with an experienced and helpful Isaacs & Isaacs Social Security Disability Attorney.