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What is the difference between Social Security disability (SSDI) and Supplemental Security…


 

Video Transcription

There are some of similar components between the two systems of social security disability, SSDI, and SSI, which is supplemental social security income. The common factor is you have to be found to be disabled from a medical point of view, either physical or mental. Once that is established, that is the same for both programs. If you have worked five out of the last 10 years prior to becoming disabled, you will most likely qualify for the SSDI, or the insured portion of the system. That is based on the money that you put in, and your monthly benefit is also based on the amount of money that you have put into the system. Your assets and income don’t matter for that portion of the system.

If you have not worked five out of the last 10 years and paid into the social security system, but you are found to be disabled, then you may qualify for SSI, or supplemental social security income. That social security program is based on assets and income. For a married couple, you could have assets up to $3,000, excluding some things like one house and one car. For a single individual, that limit is $2,000. Any income would be offset by the SSI benefit, and currently it is just a little over $700 a month that you can get from SSI. Gifts from your family are also offset from your monthly benefit.

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