There are two federal programs that individuals can apply for when they become disabled and are unable to work. Figuring out the difference between these two programs can often be confusing. Here are some basic similarities. In both programs you are required to prove that you are not able to work as a result of a physical or mental condition.
For both programs, you must also show that your condition is expected to last for at least 12 months or result in death. SSDI is a federal insurance program of the government that is funded by your payroll taxes.
That means if you are working and paying taxes, you are paying into this federal insurance program. Your eligibility for SSDI is based on whether you have worked for enough time and paid enough into the system. A person with SSDI will automatically qualify for Medicare after 24 months of receiving disability payments individuals with amyotrophic lateral sclerosis [ALS] are eligible for Medicare immediately.
You can apply for SSI online only if you are an adult with a disability. These individuals must visit their local Social Security office or call TTY between 7 a.
You can apply for SSDI benefits online at any age. You also can apply by calling Social Security at the number above or at your local office. Social Security uses a strict definition of disability that relates to your ability to perform work and the projected length of your disability. It requires that you submit medical records to support your application. There is no special application form or process for CAL applicants.
You can apply for early Social Security retirement benefits beginning at age However, taking retirement early reduces the amount of your benefit for the rest of your life. In most circumstances, if you are likely qualified for SSDI, it makes sense for you to apply for that benefit instead of drawing early Social Security. But if you decide to take early retirement perhaps you need the income while waiting to hear about your SSDI application , you can apply for retroactive SSDI.
Social Security Disability Insurance is funded through payroll taxes. SSDI candidates must be younger than 65 and have earned a certain number of "work credits.
Under SSDI, a disabled person's spouse and children dependents are eligible to receive partial dependent benefits, called auxiliary benefits. However, only adults over the age of 18 can receive the SSDI disability benefit. There is a five-month waiting period for benefits, meaning that the SSA won't pay you benefits for the first five months after you become disabled.
The amount of the monthly benefit after the waiting period is over depends on your earnings record, much like the Social Security retirement benefit. There are a number of possible reasons for this. First, SSDI are more likely than SSI applicants to have a higher income and insurance coverage, which means they're more likely to have seen a doctor for their medical problems.
It's very difficult to win disability without seeing a doctor regularly. Also, judges and claims examiners give more credibility to applicants who have a long work history, which most SSI applicants don't have.
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