Do I need Social Security Disability Insurance or SSI?

On Behalf of | Aug 13, 2020 | Social Security Disability Insurance

Securing benefits for your disability is essential for your financial future. But if you are confused about the difference between Social Security Disability Insurance and Supplemental Security Insurance, you are not alone. SSDI and SSI are often used interchangeably in New York even though they are two different programs. The Social Security Administration — SSA — runs both programs which share the same general requirement, so it is easy to get the two confused.

If you have ever taken a close look at a paycheck, then you may have already seen where Social Security taxes are withheld. Those taxes fund SSDI. To qualify, you must meet certain age and disability requirements, and you must have also worked and paid Social Security taxes for a sufficient period of time.

There is no work history requirement for SSI. This program supports people who either do not qualify for SSDI or who would not receive enough in benefits. You might qualify for SSI if you do not have a work history or have insufficient work credits. Those who suffered disabilities before qualifying for work or children living with disabilities usually qualify for SSI as well. However, since this is a need-based program, your combined income and assets cannot exceed a specified limit.

Most people in New York genuinely want to work, and realizing that you have a disability that prevents you from doing so can be demoralizing. You might not be sure whether you qualify for Social Security Disability Insurance or Supplemental Security Insurance. Applying to the wrong program can eat up valuable time and may leave you financially vulnerable. Before moving forward with a claim for either SSDI or SSI, you should be sure to visit our website for more helpful information.