Social Security Disability is eligible to workers who have accumulated a sufficient number of work credits and are considered “insured” for the disability benefit. Supplemental Security Income is eligible to low-income individuals who have never worked or those who haven’t worked enough to earn the work credits necessary for SSDI.
Supplemental Security Income is a need-based benefit based on the income and assets of the individual. It is strictly based on financial need. To meet the income requirements, you must have less than $2,000 in assets and a very limited income. These figures may adjust depending on marital status and those with legal dependents.
Social Security Disability Insurance is paid through payroll taxes. While working, an individual can make contributions to the Social Security trust fund in the form of FICA Social Security taxes. Individuals are “insured” based on the length of time they have worked and how much they have paid into this benefit.
If you are having questions about the difference between these two benefits or have been turned down for social security benefits, you can contact an attorney in the area of Social Security Disability. You have the right to have an attorney represent you at all levels of the administrative process. Statistics have shown that claimants represented by social security disability attorneys have been much more successful in obtaining benefits than people who chose to represent themselves.