All of the red tape in the application process is the same whether the claim is for SSDI or SSI. Your work status will decide which program the application will be submitted for. Social Security Disability is based upon an individual's work record and whether or not they have enough work credits to be "insured". If so, the claim will be a SSDI claim, and if approved, the claimant's monthly disability check will be based on a percentage of their past wages. After two years from the date of onset, an individual will qualify to receive Medicare.
SSI (Supplemental Security Income) is a needs based (or welfare) program for very low income individuals and families having a small amount of resources. This program is not based on work credits and babies, children, adults, as well as adults over the age of 65 may qualify for this program. Never assume you don't qualify to apply! Over the years, I have seen many families with a disabled child who didn't feel they qualified to apply for SSI. The SSA has a deeming chart, and depending on the amount of people living in the home and income/resources, you just may qualify to apply. Some income and resources don't count against you. The worst that SSA can say is you're over income or resources and you don't qualify to apply, right? That can change in a heartbeat....so you have nothing to lose, and everything to gain if the claim is approved. Anyone that is approved for SSI also will receive Medicaid.
*Note: Sometimes, a person has enough work credits and is insured for their claim to be for Social Security Disability...BUT...if their wages were very low, they very well could receive both SSDI/SSI. This is known as "Concurrent Benefits".
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