The Difference Between SSDI and SSI

There are two programs you may be eligible for when applying for Social Security disability benefits: SSDI and SSI. SSDI stands for Social Security Disability Insurance while SSI stands for Supplemental Security Income. Each program has specific regulations and requirements for disabled persons to qualify.

General Social Security Disability Benefit Requirements

Both the SSI and SSDI programs have some common requirements for determining eligibility for Social Security disability benefits. These requirements include:

  • your disability is expected to last 1 year or beyond and potentially result in death;
  • you are unable to perform the work you did before your disability; and
  • you are unable to adjust to work in another industry.


Basically, if you have ceased working as a result of your disability, are unable to become gainfully employed at another job because of the disability, and the disability is expected to be long-term, you should contact a New York disability lawyer to discuss applying for Social Security disability benefits.

Social Security Disability Insurance Requirements

This program is funded by Social Security taxes that are taken out of employee paychecks. For this reason, eligibility for Social Security disability benefits from the SSDI program is based on the years you worked and contributed to the system through Social Security taxes.

When your New York disability lawyer reviews your case they will help determine how many work credits you have earned in your lifetime. To be approved for Social Security disability benefits under SSDI you must have 40 work credits approved toward your benefits.

The amount of your monthly SSDI payment will be based upon the number of work credits that you were able to accumulate before ceasing to work. In other words, if you were employed for 36 years and paying into the Social Security system for all of that time, your monthly allowance would be greater than someone who had only paid Social Security taxes for 10 years.

Supplemental Security Income Requirements

This program is funded by the U.S. Treasury general fund for the following groups:

  • low income individuals;
  • those with disability;
  • those who are blind;
  • those ages 65 years of age and older; and/or
  • children.


Income requirements are the primary factor in determining eligibility for Social Security disability benefits from SSI. If your assets (or, resources) total less than $2,000, or your and your spouse's combined assets are less than $3,000 you may be eligible. Homes, life insurance policies, burial plots and cars are not considered in the asset estimation.

Contacting a New York Disability Lawyer

When you have become disabled and are looking to collect Social Security disability benefits you should discuss your case with an experienced New York Disability Lawyer. Your lawyer will help you review the differences between the SSDI and SSI programs and identify which benefits you are eligible for. The help of an experienced lawyer is also useful in speeding up the lengthy claims process by following proper filing procedures.

Before you file your Social Security disability claim, be sure to take advantage of this free consumer's guide: 5 Mistakes to Avoid When Filing a Social Security Disability Claim. Contact a Bronx disability lawyer at Decker, Decker, Dito & Internicola for help in building your disability claim - 1-800-976-4904.









Decker Decker Dito & Internicola, LLP the New York Social Security Disability Law Firm.  If you have suffered an injury or illness and unable to work, contact Social Security Disability Lawyer Frank J. Dito, Jr., Esq. at 800. 976. 4904.  Mr. Dito is an experienced trial and disability lawyer who represents disabled and injured individuals and their families in getting the benefits that they deserve. Frank is the author of "A Lawyers Guide to Car Insurance", the publisher of the "New York Injury Law Blog" and he is a frequent speaker regarding the recovery of benefits and the preservation of rights resulting from accidents and work place injuries. If you or a family member has a question about disability benefits contact disability lawyer Frank J. Dito, Jr. to discuss your legal rights and how he can assist you in obtaining the benefits you deserve.


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IMPORTANT DISCLAIMER: The information contained on this website is provided for general educational purposes only, should not be relied on as legal advice and does not serve to create an attorney client relationship. In utilizing this website you acknowledge that there is no attorney client relationship between you and Frank J. Dito, Esq. and that the information contained on this site does not and cannot serve as a replacement for the competent legal advice of a licensed attorney in your state. The content of this website is subject to the Copyright of its author, Frank J. Dito, Esq. 

 



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