In the event you should suffer a physical or mental disability there are two different programs that provide a monthly cash benefit, however, the eligibility requirements are very different.
Although there are a number of differences between SSDI (Social Security Disability Insurance) and SSI (Supplementary Security Income) the principal difference is that one is based on work credits and the other is available to people who may never have worked or have worked but not accumulated enough work credits to qualify for SSDI. For both it is wise to consult with a Social Security lawyer in Maryville who can provide guidance and assistance.
What is SSDI?
SSDI is paid for by both employees and employers through FICA (Federal Insurance Contributions Act), each is obliged to pay 6.2 percent of the wage paid the employee. As a result of FICA having been paid for a number of years the employee is insured. Any person who applies for SSDI must be below legal retirement age and have earned or accumulated a specific number of work credits. After two years of receiving benefits the individual becomes eligible for Medicare.
Although it appears reasonably straight forward, getting benefits can prove very difficult, time consuming and frustrating. The majority of those applying usually hire a Social Security lawyer in Maryville, especially if they are one of the 75 percent that have their application denied.
What is SSI?
SSI is very different, it is strictly a “Needs based” system and is funded by general taxes, FICA does not apply. Whether the applicant has ever worked or not does not enter into it, it is strictly based on financial need; the applicants are invariably from the low income sector as an applicant must not have more than $2,000 in assets and a limited income, if any. People who are successful in getting SSI usually get other forms of assistance as well such as Medicaid and food stamps.
Applying for SSDI as well as SSI can be difficult, especially for an individual suffering from a disability. It is highly recommended that applicants hire a Social Security lawyer in Maryville to assist them. If you are applying for disability benefits you are invited to contact the Law Offices of Miller & Drozdowski, P.C.
