Comparing SSI and SSDI Benefits

There are two programs under which the Social Security Administration (SSA) provides benefits to disabled individuals: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). SSDI is type of insurance available to disabled individuals who have paid into the Social Security trust fund during their past employment. SSI is designed to meet basic financial needs for disabled individuals with little or no income.

The disability requirement is the same for both SSI and SSDI benefits. To be disabled according to the SSA, a claimant must be unable to engage in “substantial gainful activity” due to a medical condition that is expected to last for at least 12 months or result in death.

To be eligible for SSDI benefits, the SSA requires you to have earned a specified number of work credits, depending on the age at which you became disabled. You can consult with your attorney or the SSA to determine if you qualify, but note that the work credit requirement is generally met if you have worked at least 5 out of the past 10 years. Eligibility for SSDI benefits also requires that you be a legal resident of the U.S., and below retirement age.

SSI eligibility requires you to meet the SSA’s financial need requirements. Specifically, income must be below the Federal Benefit Rate (FBR) of $674 per month for an individual and $1011 per month for a couple (although certain states increase these amounts). In addition, an individual must have less than $2000 in resources, and a couple less than $3000. Certain resources, such as your home and car, are not taken into account when making this determination. To receive SSI you must also be a U.S. citizen (with limited exceptions). Unlike SSDI, however, SSI is available to individuals over the age of 65.

The primary difference between the two programs concerns the technical requirements for eligibility, but there are other important differences as well. SSDI comes with Medicare, while SSI comes with Medicaid (or MediCal in California). There is a 2 year waiting period from the date of SSDI award payment for the Medicare benefit to begin, but Medicaid starts immediately upon award of SSI. Another difference involves auxiliary benefits; SSDI provides benefits to certain family members of the claimant, while SSI does not.

It is possible to have “concurrent entitlement,” and receive benefits under both programs. It is therefore recommended that you apply for both SSDI and SSI when filing a disability claim with the SSA.


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The New "Federal Reviewing Official"

A new position at the federal level called the “Federal Reviewing Official," will be created. This Official will review initial DDS determinations upon the request of the claimant. For a long time, there have been complaints that initial determinations were being made inconsistently, unfairly and inaccurately. The new Federal Review Official will seek to ensure that determinations are made correctly at the beginning stages of the Social Security Disability process. This Official will have the authority to make a decision as to whether an individual is disabled. The Federal Review Officials will be attorneys, centrally managed, and better suited to perform the function of documenting evidence and writing legally sound decisions as to benefits. An individual may submit evidence at any time while the Official is reviewing their case, even up until the decision is issued. An individual may request review by a Federal Reviewing Official within 60 days after receiving notice of their initial denial. Further, under this new rule, if a claimant does not make a request for review within these 60 days, they can still request an extension of time to do so even after the 60 day period has lapsed.

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Social Security Administration Improvements: 2010 Update

Michelle Nevarez, Esq.


The Obama Administration has committed to helping our fellow Americans in need by allocating more of the Nation’s budget to the preservation and improvement of the Social Security disability insurance approval process. In response to increased application in addition to existing backlog of claims, SSA has committed to increasing their processing capacities in a number of ways.


Extended Service Team(EST) are new centralized units that tasked to assist in with hearing backlog in flood areas that experienced increased applications. The purpose of these teams is explained by SSA Commisioner Astrue, “These centralized units have reduced the hearings backlog and improved processing times at some of the hardest-hit hearing offices....”

In FY 2010, SSA plans to place 280 new employees in four States (Virginia, Arkansas, Oklahoma , and Mississippi ) to help staff the teams that will be able to quickly take cases from the hardest hit States.
DDS Federal Units in each of the ten regions are tasked with assisting the DDSs in processing cases. In FY 2010, we plan to provide 237 additional hires in these units. The increases at the DDA level also include more medical consultants in order to prevent expensive and much dreaded consultative examination.

Virtual Screening Units have been erected with senior attorneys tasked to review the disability hearing backlog for potential awards.SSA believes that the screening methodology and the electronic folder to move work to the members of the virtual unit will identify about 14,600 on-the-record, fully favorable awards this year without a hearing.

SSA eligibility and processing requirements are in constant flux, for this reason you should take a moment to update yourself on the changes in 2010 eligibility requirements.

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