There are two programs that the Social Security Administration (SSA) administers that allow you to receive benefits if you have some type of illness or injury that affects your ability to work. These two programs are the Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). The eligibility requirements that a prospective applicant must meet to receive benefits under these programs are distinct.
SSDI and SSI are both programs that provide individuals with disabilities with financial support.
SSI is a federal program that is more needs-based whereas individuals of any age who have certain disabilities including blindness may qualify for benefits. SSI was also created specifically to help those who are 65 or older. Applicants must generally meet the aforementioned criteria and also have limited financial resources to able to qualify to receive SSI.
Individuals may generally only qualify to receive SSDI if they both have a documented disability and have built up work credits by having payroll deductions taken from their paychecks for a certain amount of time. Independent contractors who have paid self-employment taxes may also qualify for such benefits. SSDI is not awarded based on financial needs like SSI.
Those persons who receive SSI may qualify to receive health insurance through Medicaid alongside the awarding of their benefits. Those individuals who are awarded SSDI may have to wait as long as 24 months before they will be eligible to start receiving Medicare to cover their medical care costs. Individuals who have Lou Gehrig’s Disease (ALS) aren’t required to wait 24 months for their health insurance to kick in.
Many individuals who apply for Social Security Disability (SSD) don’t get their applications for benefits approved on the first try. There are many reasons that this can occur.
One of the best things that you can do if you don’t want this to happen in your case here in Indiana is to have an attorney review your application before you submit it to the SSA. Your Indianapolis lawyer can look for the many common errors that individuals make that get their applications denied, so it doesn’t happen to you.