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What Is The Difference Between SSDI And SSI?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) benefits are both administered by the Social Security Administration (SSA). Both are designed to be critical safety nets for people whose disabilities prevent them from working – but the programs are not the same.

At Durkin Law Offices, we understand your struggle. It is challenging to ask the government for assistance, and the entire disability claims process is confusing and emotionally overwhelming. For decades, we have been helping Wisconsin clients obtain the SSDI and SSI benefits they deserve from our offices in Racine, Milwaukee and Madison.

SSI Is Needs-Based – SSDI Is Not

The main difference between SSDI and SSI is that Supplemental Security Income is strictly needs-based. Before your disability is even evaluated, the SSA must make a preliminary determination that you qualify for SSI based on financial need. The financial screening will look at your living situation, household income and assets. Only once you pass that financial screening will information about your disabling condition(s) be considered.

In comparison, Social Security Disability Insurance operates much like an insurance policy. Your financial situation or need is not an issue. However, you must have had a sufficient amount of work and paid into the Social Security system, or “earned credits,” for a certain number of years to qualify as insured. Exactly how many credits you need to qualify varies based on your age at the onset of disability. Our experienced lawyer can figure that out for you.

Call Today For A Free, No-Obligation Consultation

At Durkin Law Offices, we understand how intimidating the SSDI and SSI claims process can be, and we do everything in our power to make it easier for our clients.

If you want passionate representation from a local attorney who understands your struggles, call Durkin Law Offices at 262-439-0439 to schedule your free consultation. You can also reach us using our online form. Experienced legal guidance for SSDI and SSI claims is affordable. Our fees are capped by law and only come out of your past-due benefits if we win your case.