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I have had, and go along to have, many questions almost the difference between SSDI and SSI. Summarized down are the key differences.

The SSDI and SSI programs are the biggest of the Federal programs that make available aid to nation next to disabilities. Generally, the medical requirements for disablement acceptance are the one and the same underneath SSDI and SSI programs, but the way these programs are funded differs.

The SSDI system is funded by the Social Security taxes stipendiary by employed individuals. Therefore, the SSDI system of rules is supported on a person’s slog feel. The SSI programme is funded by in general tax revenues and pays benefits to populace beside disabilities who have controlled takings and assets, and is supported on a person’s financial necessitate.

SSDI: Social Security Disability Insurance is an cover system that sends out monthly checks to disabled staff who have cashed Social Security taxes (called "FICA" on your cheque stubs). You must have worked for at least 5 of the ult 10 geezerhood before you utilize to be "currently insured", or covered, but the bottom circumstance is smaller amount if you're beneath age 31 once you turn handicapped. The magnitude you get depends upon how untold you have reply-paid in taxes and for how long, since SSDI is an cover - not a financial aid - program. In general, the complex your income have been and the longest you have attained them, the better your SSDI examine will be. Benefit amounts alter from a low of about $200 unit of time to a postgraduate of just about $1,600; the intermediate SSDI check is about $850, but this middle does show low wages salaried in the South, in hobnailed areas, and in dwarfish towns.

SSDI checks creation at the end of the fifth period after the "date of onset," the day you became "disabled" lower than the Social Security rules by meeting the learned profession rules as fit as not piquant in significant gainful leisure ("SGA”). The figure of trade list you stipulation for bad condition benefits depends on your age once you became handicapped. Generally you call for 20 acknowledgment attained in the ultimate 10 age climax near the year you became disabled.

However, little workforce may suffice with less list. The rules are as follows:

• Before age 24—You may serve if you have six acknowledgment earned in the three-year term end once your unfitness starts.

• Age 24 to 31—You may serve if you have appreciation for having worked fractional the circumstance betwixt age 21 and the instance you get unfit. For example, if you go incapacitated at age 27, you would entail gratitude for cardinal eld of hard work (12 acknowledgment) out of the long-gone six time of life (between age 21 and age 27).

• Age 31 or older—In general, you will requirement to have the figure of career acknowledgement shown in the table shown beneath. Unless you are blind, at smallest possible 20 of the listing essential have been attained in the 10 eld instantly beforehand you became disabled.

Born After 1929, Become Disabled At Age Credits You Need

31 done 42: 20

44: 22

46: 24

48: 26

50: 28

52: 30

54: 32

56: 34

58: 36

60: 38

62 or older: 40

The easiest way to check your financial eligibility is to subject matter a Summary of Earnings and Benefits. You can get your hands on a behest contour as asymptomatic as utilise on-line at and chink on: “How To Request a Social Security Statement of Earnings and Benefits.” You may also acquire a descriptor to behest the Statement at any Social Security office and utmost convey offices. Ask for: “Request for Social Security Statement (SSA-7004).”

SSI: Supplemental Security Income is a social welfare system for incapacitated society who group the Social Security learned profession and SGA disability rules and whose income and principal are to a lower place the eligibility levels. SSI allows money of $2,000 liquid; a separate hill account of up to $1,500 for "burial"; a vehicle of any value, if previously owned to go to learned profession care; menage furnishings; faultless self-employment business organization assets and equipment; and a lived-in territory of any numerical quantity. The SSI capital horizontal in 2002 is $545 per time period (but it's highly developed in record prosperous commercial enterprise states, which increase this amount). All gross returns counts hostile this level: SSDI, earnings, pensions, gifts, contributions, financial organisation interest, dividends, veterans' benefits, etc. If your SSDI cheque is down the stairs the SSI level, you can get SSI as capably as SSDI. Before comparison gross funds to this level, SSI disregards (i.e., doesn't reckon) $20 per period of time of any income, due Impairment Related Working Expenses (IRWEs: medical reimbursement you pay to enable you to industry) and $65 and partly the breathing space of any earnings. If the consequent enumerable funds is preceding the SSI returns even (again, $545 in most--but not all- states), you're not worthy. If it's computed to be less, you get an SSI examine for the peculiarity involving your numerable returns and the SSI flat - and, as a "fringe" ability in supreme but not all states, a Medicaid paper.

SSI—This is famous as Title XVI (16) Supplemental Security Income. This programme is for people who either:

• Have not compensated satisfactory billet (earnings) into Social Security for any purpose.

• Have small-scale assets and turnover.

Although you essential be unfit according to SSA’s definition, you must first gather round SSA’s demanding assets acceptance mental test antecedent to your learned profession set of symptoms person thoughtful. If your reserves carry too far SSA’s limit, you cannot gather SSI regardless of your learned profession disablement.

Do You Qualify For SSDI???

The Social Security Administration has provided this online "test" for empire to use so that they can decide for themselves if they are pensionable.

BENEFIT ELIGIBILITY SCREENING TOOL (BEST)

[https://s044a90.ssa.gov/apps12/best/benefits/]