SSI and SSDI are two VERY different disability programs administered by the Social Security Administration. They both use the same definition of disability - do you have a medically determinable impairment that prevents you from performing a simple, entry-level job.
Beyond that, however, these two disability programs are VERY different.
SSI is a "means tested" program: meaning that you can only qualify for SSI if you have
LITTLE TO NO household income and/or if you own very little in the way of ASSETS.
If, for example, you cannot work but your spouse or someone else in your household works - your spouse's income will be used to offset your SSI benefit. (Look up the term "SSI deeming rules" to learn more on SSI.)
This is why, for example, a parent who stayed home to raise the children may be medically disabled but can't collect any SSI if his/her spouse is working.
In my opinion, the SSI deeming rules are horribly outdated and don't reflect the reality of life in the 2020's, but that is the subject for a different video!
Now, SSDI is NOT "means tested", meaning that your SSDI benefit is paid from the payroll taxes YOU PAID, and it does not matter if your spouse earns a 6-figure income or if you own stocks and bonds.
As I discuss in this video, I have seen situations where a disability claimant applies for both SSDI and SSI when starting the process even though that person would never qualify for SSI because of household income or assets.
If your claim is approved and there is an SSI application pending, Social Security has to process both applications. The SSI processing involves an "income and resources" interview which can result in months of delay in case processing.
I recently represented a client who had to wait over ONE YEAR(!) for his SSDI money because the SSI portion of his file got lost. We tried to withdraw the SSI application because my client clearly did not qualify due to household income and resources, but Social Security could not take any action until the SSI file was located.
If you clearly do not qualify for SSI on non-medical grounds, you should think twice about checking the box that asks if you want to apply for SSI when you are applying for disability benefits.
If you are not currently represented by an attorney, and you need an evaluation of your case, complete our risk-free, no-obligation case evaluation at the link below.
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