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Are you eligible for SSDI or SSI?

If you are unable to work because of a medical condition, it is a direct threat to your well-being and the financial security of your Kentucky family. It is frustrating and overwhelming to find yourself in a place in which you cannot support yourself, but there could be options available to you. You may be eligible for benefits through the Social Security Administration. 

There are two types of benefits available through the SSA: Social Security Disability Insurance and Supplemental Security Income. The type for which you may be eligible depends on the details of your individual case, such as your financial situation and your work history. Before you apply, it can be helpful to understand more about eligibility requirements for both SSDI and SSI.

The differences in the disability programs

The intent of both of these programs is to support individuals who cannot hold gainful employment due to a physical or mental condition. SSDI and SSI help two different groups of people, and it can be helpful to understand more about the differences between them, such as:

  • SSDIThe source of SSDI benefits are the payroll taxes paid by employers and employees. In order to qualify for SSDI, you must have a disability expected to last for at least 12 months and have a certain amount of work history. The payment amount depends on how much you earned and how long you worked. 
  • SSISSI benefits do not depend on your work history. You could be eligible if you do not have a qualifying work history, and you have less than a certain amount of money and assets to your name.

Applying for either type of benefits can be a frustrating and lengthy process. Applicants may feel discouraged by setbacks, such as a claim denial, but that does not mean that he or she is out of options. With help, it may be possible to appeal and continue to fight for the financial support you need.

When you cannot work, you have options

Researching and understanding the types of benefits that may be available to you can be exhausting and frustrating. Fortunately, you do not have to navigate these concerns alone. With guidance, you can better navigate the benefits application process.

If you cannot work because of a medical condition that you will have for at least one year or for the rest of your life, you may find it beneficial to learn more about the two types of disability benefits programs that could be available to you.

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