What is Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)?
- SSDI: Available to individuals who have worked long enough and paid Social Security taxes.
- SSI: Designed for disabled individuals who have low income and limited resources.
- Work As you work and pay Social Security taxes, you earn credits that count toward your eligibility for future Social Security benefits. You can earn a maximum of four credits each year. Most people need 40 credits to qualify for benefits. Younger people need fewer credits to qualify for disability or survivors benefits. More: You must have a certain number of work credits, which are earned by working and paying Social Security taxes.
- Disability: The disability must be severe enough to prevent you from engaging in any substantial gainful activity (SGA).
- Duration: The disability must be expected to last at least 12 months or result in death.
- Income: Your income must be below a certain threshold.
- Resources: You must have limited resources (less than $2,000 for an individual).
- Disability: Same disability criteria as SSDI.
- Initial Application: File your application online, over the phone, or in-person at a local The office that handles all Social Security matters in your area. Please see the link for a local Social Security office near you. https://www.ssa.gov/locator/?URL=%2Fapps6z%2FFOLO%2Ffo001.jsp More.
- Documentation: Provide medical records, work history, and other relevant information.
- Decision: An initial decision is usually made within three to five months.
- Reconsideration: A review by someone not involved in the initial decision.
- Administrative Law Judge Hearing: A new review if reconsideration is not in your favor.
- Appeals Council Review: A final review if the judge’s decision still doesn’t go your way.
- Federal Court: A lawsuit against the SSA as a last resort.
Social Security Disability Payment Structure
- For SSDI: Benefits are calculated based on your average A chronological history of the amount of money you earned each year during your working lifetime. You can view your lifetime earnings with a personal my Social Security account. More before your disability began.
- For SSI: The federal benefit rate (FBR) sets the maximum federal monthly SSI payment. Some states add a supplementary payment.
Taxes and Social Security Disability Benefits
- SSDI benefits may be taxable, depending on your total income.
- SSI benefits are not taxable.
Download our Social Security Application Checklist to ensure you are meeting deadlines and know crucial details for the best chance at a successful application.
How do Grid Rules play a part in SSDI Cases
What the Grid Rules Assess
- 18-44: Young
- 45-49: Younger individual
- 50-54: Approaching advanced age
- 55-59: Advanced age
- 60-64: Approaching retirement age
- Limited education (11th grade or less)
- High school graduate or more