People in Kentucky who are disabled and cannot work may be considering applying for disability benefits. These individuals and their families might not know there are different programs they can apply for. Their situation will dictate which is applicable for them. While both are programs for people who are disabled, there are differences that should be understood before applying as it can impact the case’s outcome.
In general, there are three aspects where the benefits differ when considering disability. SSDI is a program that grants disabled people benefits based on their work record. If the person has paid into the program for a minimum of 10 years, he or she can get benefits. All workers can get SSDI; income is irrelevant.
SSI is for people who have limited income and assets. It is primarily for those who are elderly, disabled or blind. There is a means test to determine a person’s eligibility.
SSDI recipients can get Medicare to help pay for medical expenses. Their eligibility for Medicare begins two years after they can get SSDI. Medicare will cover some but not all medical care and treatment. By contrast, since a person who gets SSI will not have significant income, they can get Medicaid. Medicaid is a federal and state program that will pay for most if not all the care a person needs.
Financially, the amount a person gets through SSDI will differ from SSI. Currently, SSI pays $783 each month. Some get supplementary payments in addition to that monthly payment. Still, it can be reduced based on earnings and other forms of income. SSDI pays $1,258 per month. The amount a person earned when they were working may garner them more money.
People who need disability benefits should be cognizant of their options. This can apply to a person who has lost their spouse, a longtime worker who is injured or ill and cannot work, and people who have sought benefits but were denied. A law firm experienced in SSD benefits may explain the process and assist a person in getting approved.