Are you a New Hampshire resident who is looking into applying for Social Security benefits? If so, understanding the difference between SSDI and SSI is important. The Social Security Administration (SSA) offers two different types of benefits programs, Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). As the abbreviations for SSDI and SSI are nearly identical, it is easy to confuse the two different types of benefits. Disabled individuals in New Hampshire may be eligible for one of the two benefits programs.
Supplemental Security Income (SSI) in New Hampshire
Supplemental Security Income (SSI) is only available to recipients whose means are underneath the income threshold. Children who are under the age of 18 and who have qualifying disabilities may also be eligible for these benefits. SSI is a needs-based program that does not take into account an applicant’s job history or how much he or she has paid into Social Security.
The process for proving that you have a qualifying disability can be extremely challenging when applying for SSDI benefits. However, SSI is a needs-based program that usually does not require you to prove that you have a disability. In order to qualify for SSI, you must prove that your income is below the federal benefit rate (FBR). The SSA considers all of the following income:
- Earned income from a job
- Unearned income such as child support payments
- In-kind income such as free food or rent from a source other than the government
- Deemed income earned from a spouse or other household member
Social Security Disability Insurance in New Hampshire
SSDI is intended to help those who cannot work due to a qualifying medical condition that they expect to last for at least one year. Successful applicants receive benefits every month. The benefits can be available on a permanent basis or on a long-term basis. In order to qualify for SSDI benefits, you must have accumulated enough work credits through Social Security. On the contrary, you do not need to prove that you have had enough work credits to qualify for SSI benefits.
There are no income-based restrictions for receiving SSDI payments. A claimant with any amount of assets or income can apply for SSDI should they become disabled. Also, SSI benefits are only available to older claimants and children with disabilities, based on needs. While SSDI benefits are available to people 18 or older but younger than 65.
Finally, the SSI program does not have a mandatory waiting period whereas SSDI applicants must wait at least five full months to apply for SSDI after stopping work due to a disabling condition.
Our Manchester SSDI Lawyers can Help
If you are interested in applying for SSDI benefits, the attorneys at Ward Law Group can help. Our team of disability attorneys understand all of the requirements for applying for SSDI benefits. We use our experience to prepare thorough applications. We also work with doctors who can support your disability claim. Contact our SSDI benefit law firm today to schedule your free case evaluation.