Supplemental Security Income or Social Security Disability Insurance, which is better?
The U.S. Government provides a wide range of benefits, particularly for individuals facing disabilities or dealing with physical or mental health challenges. The two primary benefits people often apply for are Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), both managed by the Social Security Administration. But which one is more advantageous?
SSI vs. SSDI: Which is the better option?
To put it simply, SSI is based on limited income and age, while SSDI is for those whose health condition has changed, affecting their ability to work full-time.
What is Supplemental Security Income (SSI)?
The SSI program provides financial assistance to older adults and disabled individuals to supplement their limited income and resources.
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What about Social Security Disability Insurance (SSDI)?
SSDI benefits are specifically designed for individuals with a work history who are unable to continue working due to a disabling condition.
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How do you apply for SSDI and SSI?
You can apply for SSI without needing to disclose your age, past work experience, or Social Security contributions. SSI eligibility is primarily based on income, which changes annually. For instance, in 2022, an individual’s income could not exceed $841, or $1,261 for a couple, including other benefits like pensions, shelter and food supplements, and part-time work. Additionally, your assets must not exceed $2,000 for an individual or $3,000 for a couple.
To qualify for SSDI benefits, your condition must be expected to last at least one year or be potentially fatal. When applying, you must provide the SSA with evidence that your condition limits your ability to perform tasks such as lifting, standing, walking, sitting, logical reasoning, decision-making, or other work-related activities.
