Do You Qualify for SSDI or SSI?
If you’re living with a disabling condition, understanding whether you qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) is important. Both programs offer financial support, but their eligibility requirements differ.
SSDI: This program is designed for individuals who have worked and paid into the Social Security system. To qualify, you must have earned a sufficient number of work credits, which are based on your work history and age. For example, if you’re over 31, you typically need at least 20 credits from the past 10 years.
SSI: Unlike SSDI, SSI is a needs-based program for disabled individuals with limited income and resources, regardless of work history. It’s ideal for those who may not have accumulated enough work credits but still need financial assistance.
Who Determines Eligibility for Disability Benefits?
Eligibility for both SSDI and SSI is determined by the SSA. They review your medical records, employment history, and financial situation to decide if you meet their strict criteria. Working with an experienced attorney ensures that your application is thorough and accurate, increasing your chances of approval.
How Does the SSA Define Disability
The SSA defines disability as a condition that:
- Prevents you from performing substantial gainful activity (SGA), meaning you cannot work or earn above a certain income threshold.
- Has lasted or is expected to last for at least 12 months or result in death.
The SSA focuses on whether your condition severely limits your ability to perform work-related tasks and daily activities.
Disabilities That Qualify for Social Security Benefits
The SSA maintains a list of impairments, often referred to as the Blue Book, which outlines conditions that typically qualify for disability benefits. Even if your condition isn’t listed, you may still qualify if it severely limits your ability to work. Get in touch with us ASAP to determine your eligibility and start your application process.
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