Understanding the different types of Social Security benefits available to you can be confusing, especially if you are unfamiliar with Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). In this article, we explain how disabled individuals can access these benefits, how SSDI benefits relate to unemployment benefits, and how to file for SSDI or SSI benefits after becoming unemployed.
Sackett & Associates is a national disability law firm located in California. We represent disabled clients throughout the country, even as many of our clients are California residents. Social Security disability law is the focus of our legal practice, and we know every aspect of the rules and regulations that govern who is eligible and how to access your Social Security disability benefits. Questions about how unemployed individuals can qualify for SSDI or SSI benefits deserve clear answers. If you need legal assistance relating to your disability benefits, contact Sackett & Associates today. We’re here to help.
Understanding SSDI and SSI
- Social Security Disability Insurance (SSDI): SSDI is a federal program designed to provide financial assistance to individuals who are unable to work due to a disability. To qualify for SSDI, applicants must have a significant work history and have paid Social Security taxes through their employment. The amount of SSDI benefits is based on the individual’s average lifetime earnings before their disability began.
- Supplemental Security Income (SSI): SSI, on the other hand, is a needs-based program that provides financial assistance to disabled individuals who have limited income and resources, regardless of their work history. SSI is intended to help cover basic living expenses, such as food, shelter, and clothing.
SSDI Benefits for the Unemployed
Qualification Criteria
To qualify for SSDI, an individual must meet the following criteria:
- Disability: The individual must have a medical condition that meets the Social Security Administration’s (SSA) definition of disability. This means the condition must be severe enough to prevent substantial gainful activity (SGA) and is expected to last at least one year or result in death.
- Work Credits: The individual must have accumulated enough work credits based on their age at the time of disability. Work credits are earned through employment and the payment of Social Security taxes.
Filing for SSDI After Becoming Unemployed
When a person becomes unemployed due to a disability, they can file a claim for SSDI benefits. The following steps outline the process. However, you may still file a claim for SSDI benefits even if the disabling impairment began to develop before you were unemployed.
Virtually all SSDI benefits recipients were unemployed when they filed for disability. Had they been employed they are likely to have been ineligible for disability benefits.
To file for SSDI benefits, it is wise to contact a knowledgeable and experienced disability lawyer like our team at Sackett & Associates. While no lawyer is required to file a disability claim, ensuring that the claim is properly and thoroughly documented with sufficient supporting medical evidence increases the chances of a favorable outcome without unnecessary delay. Incomplete or poorly supported claims often move slowly or may be denied.
Filing a successful Social Security Disability claim involves the following steps:
- Gather Medical Documentation: Collect all relevant medical records, including doctor’s reports, hospital records, and any other documentation that supports the disability claim.
- Submit an Application/Claim: The application will require personal information, work history, and detailed medical information. Though applications can be submitted online through the SSA’s website, by phone, or in person at a local Social Security office, consulting first with a professional disability lawyer is strongly encouraged.
- SSA Review: The SSA will review the application and medical documentation to determine if the individual meets the eligibility criteria. This process can take several months.
- Decision: The SSA will notify the applicant of their decision. If approved, the individual will begin receiving SSDI benefits. If denied, the claimant has the right to appeal the decision.
Relationship Between SSDI and Unemployment Benefits
Both SSDI and unemployment benefits serve the purpose of replacing lost wages, but they are designed for different situations.
- Unemployment benefits are intended for individuals who are capable of working but have lost their job and are actively seeking employment.
- SSDI benefits, on the other hand, are for individuals who cannot work due to a disability.
While it is possible to receive both SSDI and unemployment benefits simultaneously, it can be challenging. The SSA and state unemployment agencies may view the receipt of unemployment benefits as an indication that the individual is able to work, which could affect the SSDI claim. It is essential to consult with a legal professional or a disability advocate to understand the implications of receiving both types of benefits.
SSI Benefits for the Unemployed
SSI benefits are available to individuals who are aged, blind, or disabled and have limited income and resources. Unlike SSDI, SSI eligibility is not based on work history but on financial need. To qualify for SSI, an individual must:
- Meet the SSA’s Definition of Disability: The disability criteria for SSI are the same as for SSDI.
- Have Limited Income and Resources: SSI is intended for individuals with very low income and minimal assets. The SSA sets specific limits on both income and resources to determine eligibility.
Filing for SSI
The process for applying for SSI is similar to that of SSDI, with the primary difference being the focus on financial need rather than work history. Applicants must provide detailed information about their income, resources, and living arrangements, in addition to medical documentation of their disability.
Legal and Professional Assistance
Applying for disability benefits can be a complicated process. It is always beneficial to seek assistance from experienced disability lawyers who can provide guidance and support throughout the application process. At Sackett & Associates, we help ensure that all necessary documentation is submitted and that the application accurately reflects the individual’s situation.
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