SSDI, SSI, Estate Planning, Elder Law & Medi-Cal Planning in California

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Can You Claim Both SSI and SSDI?

SSDI Attorney in Ontario
SSDI Attorney in Ontario

What do you know about SSI and SSDI? Both of these are federal programs that help adults who are older or disabled. They offer help in different ways. SSI is available if you’ve never worked. SSDI is open to people who have held jobs and paid taxes. Here’s what you need to know.

How SSI Helps

SSI stands for Supplemental Security Income. It’s a program where qualifying participants get monthly payments to help bring their income up. It’s for low-income adults, people 65 or older, or people with disabilities.

Generally, you will not qualify if you have more than $2,000 (individual) or $3,000 (couple) in assets. These assets do not include your home, care, or personal property like clothing and jewelry like an engagement ring and wedding band.

As different states have different laws, you may find that your SSI payment is higher than the federal amount. If you receive a pension or Social Security payments, you may not qualify for as much as others.

How SSDI Helps

SSDI stands for Social Security Disability Insurance. It’s a program that helps people with qualifying illnesses or disabilities have money coming in when they can no longer work. To qualify, the person must have worked and paid enough in Social Security taxes while working.

You must have paid enough in the past ten years to have 20 work credits. Generally, you get one work credit for every (approximately) $1,500 you earn. There are exceptions for younger adults.

Many health conditions and disabilities qualify for SSDI. They must be permanent conditions and not temporary ones. One of the most prevalent is Alzheimer’s. Many Alzheimer’s patients are under retirement age, so they must leave jobs but need the income. SSDI provides that income.

SSDI is also available to people with certain types of cancer, ALS (Lou Gehrig’s Disease), etc. When you apply, you need medical paperwork from a licensed physician explaining your health condition or disability and whether you can work in a different job or if you cannot work entirely.

Tips for Applying

When you claim SSI or SSDI, you have to provide lists of your assets, income, and even medical forms from your doctor. Make sure you have the proper paperwork available before you apply. It will save a lot of time and frustration in the long run. If you apply and don’t have everything needed, you’ll end up with a denial letter and have to reapply.

There’s a better way, however. The easiest way to handle an SSI or SSDI application process is by working with an SSI attorney. You’ll appreciate having the expert advice and guidance of a professional. Set up a consultation with an SSDI/SSI attorney today.

The Law Office of James Dolenga offers SSDI, SSI, Estate Planning, Elder Law & Medi-Cal Planning in Ontario, California. Call today for your legal consultation. (866) 772-5299

Sources:

https://www.ssa.gov/benefits/disability/
https://www.ssa.gov/benefits/disability/qualify.html

James Dolenga, JD
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