Social Security Disability Insurance vs Supplemental Security Income in West Virginia

If you are dealing with a serious disability or injury, finances are the last thing you need to worry about as you adapt to a new normal or try to get back on your feet. You may be eligible for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI) – or both at the same time. Below are the primary differences between the two government-run programs.

Who’s eligible?

Individuals eligible for Social Security Disability Insurance benefits have worked at least part-time in the last ten years and have paid Social Security taxes. For Supplemental Security Income, even people who have never worked can be eligible. For approval, they must have limited income and resources, be a U.S. citizen or national, and live in the United States or Northern Mariana Islands.

What about medical coverage?

Individuals with SSDI will not receive Medicare coverage until after they’ve obtained disability benefits for two years. SSI beneficiaries are automatically eligible for Medicaid in most states.

How is payment assessed?

The SSDI monthly benefit is based on the Social Security earnings record of the beneficiary. On the other hand, the SSI monthly payment is based on a combination of need, the maximum federal benefit rate, and whether or not the individual’s state of residence adds money to the federal payment.

Do you meet the legal and medical qualifications for these programs? Contact Jan Dils Attorneys at Law today to get expert answers for your Social Security questions. Contact us anytime at 877.526.3457. We have an experienced team of West Virginia Social Security Disability attorneys, and one of our representatives will be happy to answer your questions. Or if you’d prefer to contact us online, please fill out this form and we will respond to you shortly.