Friday, January 27, 2012

Comparing SSI and SSDI Benefits in San Francisco

The Social Security Administration (SSA) provides benefits to disabled individuals under 2 programs:

1. Social Security Disability Insurance (SSDI)

2. Supplemental Security Income (SSI).

To qualify for either program in San Francisco, your condition must meet the criteria the Social Security Administration has established to determine whether or not you are disabled.

SSDI is insurance you have paid into during your past employment. For SSDI you must have earned work credits. This requirement is generally met if you have worked at least 5 out of the past 10 years. You also must be a legal resident of the U.S., and below retirement age. SSDI comes with Medicare after a 2 year waiting period. SSDI also provides benefits to certain family members, while SSI does not.

SSI is similar to a well-fare based program. To qualify for SSI you cannot make more than $674 per month ($1011 for a couple). This amount varies depending on the state that you live in. You also can not have more than $2000 in resources ($3000 for a couple). Certain resources, like your home and car, are not counted. You must be a U.S. citizen (with limited exceptions), but any age may apply. SSI comes with Medicaid and starts as soon as you are approved by SSA.

It is possible to get benefits under both programs, so apply for both when filing a disability claim with the SSA. The best way to ensure that your claim is handled properly is to hire an attorney. Your disability attorney will stay on top of all paperwork and requests from Social Security and make sure that all your medical records have been received. For more information, visit us at www.socialsecuritylaw.com.

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