Understanding Differences between Social Security Disability Programs

What is SSDI?

Social Security Disability Insurance, commonly known as SSD or SSDI, is a federal insurance program designed to provide income and medical benefits for employed - or previously employed - people whose ability to work is limited by their physical or psychological conditions. There are many requirements that affect an individual's eligibility to receive SSD or SSDI benefits including but not limited to age, work history, and medical condition(s).

What is SSI?

Supplemental Security Income, or SSI, is a program designed to provide payments and medical benefits to people who are disabled from working, similar to SSD or SSDI. However, to receive SSI benefits the number of credits earned based on their work history is not a determining factor. Eligibility for SSI is based on continuing financial need rather than previous work history. Children with disabilities that are eligible to receive benefits under the Social Security act fall within this category.

What are the Difficulties?

At first glance, the process for obtaining benefits appears to be fairly straightforward. However, many SSDI and SSI applicants are initially denied benefits for many reasons. The system can be very difficult and frustrating for anyone who lacks significant experience with the ever-changing process. This frustration and confusion causes many people to give up benefits they are entitled to receive.

The application process can be daunting, as can the process of appealing a denied claim. If you or a loved one lives in North Carolina and has been denied coverage or continued benefits, contact an experienced lawyer knowledgeable in Social Security Disability law who can guide you through the maze of rules and regulations so you can receive the benefits to which you are entitled.