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I had, and continue to have many questions about the difference between SSDI and SSI. Below are summarized the major differences.

The SSDI and SSI programs are the largest of the Federal Republic of programs that offer assistance for people with disabilities. In general, the requirements for medical eligibility of disability under SSDI and SSI programs are the same, but the way in which these programs are funded is different.

The SSDI program is funded by social security taxes to workersIndividuals. Thus, the SSDI program is the work experience of a person. The SSI program is financed by general tax revenue, and pays benefits to people with disabilities who have limited income and assets, and is based on financial need for one person.

SSDI: Social Security Disability Insurance is an insurance program that sends monthly checks to disabled workers who have paid social security taxes (called FICA) "on your pay stubs. It must have worked at least5 of the last 10 years before applying for "currently insured or covered, but the minimum time is less if you are under 31 years if you are unable. The amount you receive depends on how much you pay in taxes and for how long, because SSDI is an insurance – not welfare – program. It will take place in general, the more income is longer and they have earned, the higher the SSDI. Benefit amounts vary from a minimum of about $ 200 per month for a maximum of about $ 1600, whichWhen the average SSDI check is about $ 850, but that means an average of wages reflected in the South, in rural areas and small towns.

SSDI checks start at the end of the fifth month after the words "start", the day they were disabled "under the social security provisions, rules medical and non-essential contribution to economic activity (" SGA "). The number of credits is off work for disability, depending on your age, where they were. In general, it should be allowed 20Credits earned in the last 10 years, until the year you have been disabled.

However, younger workers may qualify for loans less. The rules are as follows:

• 24 years ago-you can benefit if you earn seven credits in the three years ending when disability starts.

• Age 24 to 31, you may qualify if you worked half the time the loan was between 21 years and the time you become disabled. For example, if you are aged between disabled27, you would need credit for three years of work (12 credits) over the last six years (aged between 21 and 27 years of age).

• Age 31 or more in general, you must have shown the number of employment claims in the table below. If you are blind, must be at least 20 credits were obtained in the 10 years immediately preceding the disability.

Born after 1929, will be disabled at the age of receivables You Need

31-42: 20

44: 22

46:24

48: 26

50: 28

52: 30

54: 32

56: 34

58: 36

60: 38

62 years of age: 40

The easiest way to review financial eligibility is to apply for a review of merit and performance. You can obtain an application form and an application online at http://www.ssa.gov/howto.htm and click on "How to Apply for a Social Security Statement of Earnings and benefits. You can also use a report form at any Social Security office and most of the surveyPost offices. Request for "Request for Social Security Statement (SSA-7004)."

SSI: Supplemental Security Income is a welfare program for people with disabilities who meet the medical and social security disability standards EMS and whose income and assets below the levels of eligibility. SSI makes cash of $ 2,000, a separate bank account for up to $ 1500 used to "funeral" means a vehicle in value when going to medical services, household items, auto workers certain business assetsand equipment as well as lived in the house value. SSI income in 2002 (545 dollars a month, but it is higher in most of the rich industrialized countries) incorporates this amount. All gross income counted this level: SSDI, income, pensions, donations, contributions, bank interest, dividends, benefits for war veterans, etc. If your SSDI check will be below the SSI level, you can receive SSI and SSDI. Before the comparison of gross income at this level ignore SSI (ie, does not count) $ 20 per monthany income, out-of-pocket expenses of value-ended Working Group (IRWEs: medical expenses to pay for work) and $ 65 and half of the profits that remain. (If the income from countable income exceeds the SSI back with $ 545 more — but not all – Member States), it is entitled. Wenn es berechnet zu werden weniger, erhalten Sie eine SSI-Check für die Differenz zwischen Ihrem Einkommen und der zählbaren SSI-Ebene – und als "marginal" Nutzen in den meisten, aber nicht alle Staaten, ein Medicaid-Karte.

SSI –known as Title XVI (16) Supplemental Security Income. This program is for people who either:

• You have not paid enough quarter (profit) of social security, for any reason.

• have limited resources and income.

Although you must be disabled, as defined by SSA, you must meet the strict eligibility SSA resources before the illness in question. If your resources exceed the limit of SSA can not collect, regardless of SSIYour doctor disability.

Not qualify for SSDI?

The Social Security Administration has provided these online "test" for the people available for use to enable them to decide for themselves whether they are eligible.

Eligibility criteria Screening Tool (BEST)

[https: / / s044a90.ssa.gov/apps12/best/benefits /]