Roeschke Law, LLC provides first-rate legal representation to disabled individuals throughout Las Vegas. We leverage our knowledge of Social Security disability programs to help our clients obtain the benefits they deserve. If you or a loved one is seeking disability benefits, it is important to understand the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).
While both benefit programs provide financial resources to those who cannot work due to a qualifying medical impairment, SSDI and SSI are different in terms of eligibility requirements and available benefits. When you consult with us, we will determine whether you qualify for disability benefits and help you navigate the process. Please contact our office today for a free consultation.
What’s the difference between SSDI and SSI?
The Social Security Administration (SSA) provides two disability programs:
- Social Security Disability Insurance (SSDI) benefits are available to individuals between the ages of 18 and 65, regardless of their financial resources. SSDI is referred to as an entitlement program because it is funded through income tax deductions and acts like insurance when an individual cannot work due to an illness or injury. Benefits are based on the applicant’s age and the length of time he or she has worked and paid into the Social Security system.
- Supplemental Security Income (SSI) is a means-tested program that is only available to disabled or blind individuals who are over the age of 65 who can demonstrate financial need. To qualify, there is a cap on income and assets; however a home that is a primary residence is not included in the calculation of financial resources.
At Disability Attorneys of Las Vegas, we are well-versed in the eligibility requirements for SSDI and SSI and are prepared to fight for your rights. The sooner you contact our office, the sooner we can start working on your disability benefits claim.
How the Financial Benefits Under SSDI and SSI Differ
Each disability benefit program offers different financial benefits. SSDI is based on a claimant’s earnings record, which means monthly benefits are typically higher than monthly SSI payments. The average SSDI benefit is currently $1,258 per month, while the maximum benefit amount is capped each year — the cap is $3,011 in 2020.
SSI is based on a claimant’s financial need, and monthly benefits are capped at the federal benefits rate (FBR). The FBR is adjusted annually if there is a corresponding Social Security “COLA” (cost of living adjustment). In 2020, the FBR is $783 for individuals and $1,175 for married couples; however, the monthly benefit amount will be reduced by any income the claimant receives from other sources.
Are Medical Benefits Available Under SSDI and SSI?
Individuals who receive Social Security disability benefits also have access to government health insurance programs. Under the SSDI program, beneficiaries can enroll in Medicare 2 years after their eligibility date. Medicare is a federal program that covers primary care and routine hospital services. By contrast, beneficiaries of SSI automatically qualify for Medicaid, the joint federal-state program that is available to individuals with limited means.
Do I qualify for disability benefits?
You must have a permanent, total disability that is expected to last at least one year or result in death to qualify for SSDI or SSI. In addition, your medical impairment must prevent you from doing the same time of work you did before and from performing any other type of work.
The SSA will look to the medical record submitted with your claim, as well as the results of a consultative exam, to determine if you meet the medical eligibility requirements for disability benefits. If a disability examiner finds that you do not have a qualifying impairment or that your condition is not severe enough to prevent you from working, your claim will be denied.
In addition, there are “technical” eligibility requirements for each benefit program. To qualify for SSDI, you must have earned enough work credits, which are determined by your work history. To be eligible for SSI, you must have limited financial resources ($2,000 for individuals, $3,000 for married couples). While this seems simple enough, initial benefits claims are frequently denied because claimant’s fail to meet these requirements.
Given the challenges of meeting all the eligibility requirements for disability benefits, it is crucial to work with a capable Las Vegas disability lawyer. At Roeschke Law, LLC, your well-being is our priority and we are committed to your cause. When you become our client, you can rest assured we will fight for the benefits you need and deserve.
Contact Our Experienced Las Vegas Disability Lawyers
At Disability Attorneys of Las Vegas, we understand your concerns: receiving proper medical care, covering the medical bills, and supporting yourself and your family. Our experienced disability lawyers will address those concerns by providing you with informed representation and dependable service.
We are highly experienced in all aspects of disability claims, including disability appeals and disability hearings, and will stand by you at all times. We handle all disability claims on a contingency basis. This means you pay nothing to us until we win benefits for you. Please contact our office today to speak with our experienced Las Vegas disability lawyers.