Many clients often decline money they might be eligible to receive. Why would anybody do that? Because some Social Security intake representatives suggest filing for SSI is different than filing for Disability. They hint that only certain “types” apply for SSI. I’m here to tell you: Apply for both.
What is SSI?
SSI stands for “Supplemental Security Income.” It helps people who are disabled and lack financial means. That could be any of us. The government uses a means-test to decide if you can get this type of payment. SSI can be paid on its own, or in addition to a second check, if that second disability check does not exceed the dollar limit. If you don’t meet the criteria for SSI, Social Security will do the calculations and let you know. Often, when people are discouraged from applying for SSI, it’s just an overworked SSA employee avoiding extra work.
SSD and Work History
The other disability check, often called “disability” or “SSD” for short, relies on a strong work history. You must have worked long enough in recent years at high wages to have “credits of coverage.” As you work, the government deducts various taxes before your take-home pay, and some of those taxes go toward disability insurance benefits.
The Catch in Applying
Hardworking people, proud of their work ethic, might decline SSI during phone interviews. A Social Security claims representative might describe SSI as a poverty-based program. The disabled worker might then feel that this does not apply to them and say, “No, I don’t want to apply for that one.”
Why Apply for Both SSI and SSD?
Always apply for both SSI and SSD. If you don’t qualify, SSA will inform you. The key point is: If you decline to apply for SSI initially, you might miss out on months of benefits. SSI only becomes effective the first full month after you file for it. For those who were talked out of applying but file for SSI later, they can’t backdate to the earlier date.
Navigating Social Security Disability
Social Security Disability has many confusing policies. You don’t have to navigate it alone. I hope this resource helps. If you still find it overwhelming or prefer an experienced attorney to assist you, call us at 1-866-425-5347. We are here to help.
