What is the difference between SSDI & SSI?
In order to qualify either program, a claimant must be “disabled” as defined by the Social Security Administration (SSA). In addition, to qualify for SSDI, a claimant must have sufficient work credits. Generally speaking, at least six credits must have been earned in the three-year period before the SSDI claim is filed. While this is not precise rule, another rule of thumb is that if you must have worked five of the last ten years to qualify for SSDI. SSA will calculate you monthly benefit rate based upon your work history. Conversely, Supplemental Security Income (SSI) is not based on your prior work history. In order to qualify for SSI you must be “disabled” as defined by the SSA and you total assets must not be greater than $2,000 if you are single or $3,000 if you are married. Certain assets are not considered in this calculation. For example, your primary residence, your automobile, wedding ring and some other assets will not be used to calculate the figure.
