Which One Is Right For You?
In the Golden State, a multitude of benefits are available to residents, reflecting California’s commitment to support its community members in times of need. Two primary programs focused on individuals with disabilities are the Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI).
Both are federal disability programs administered by the Social Security Administration (SSA), but each serves a distinct demographic and operates under its own set of criteria. If you’re a Californian wondering which one might be right for you, this article will shed light on their key differences and help guide your decision.
1. Eligibility Based on Financial Need vs. Work History
SSI: SSI is a needs-based program, meaning it is designed for individuals with limited income and resources, regardless of their work history. It’s essential to meet both the income and asset limitations to be eligible for SSI.
SSDI: SSDI, on the other hand, is based on one’s work credits. To be eligible, individuals must have accumulated a specific number of work credits, which are earned by paying into the Social Security system through payroll taxes. The number of credits required depends on the age at which the disability began.
2. Benefit Amounts
SSI: In California, as of the last update in 2022, the maximum monthly SSI benefit for an eligible individual is higher than the federal amount because of the state’s supplementary payment. The exact amount is adjusted annually for inflation and other economic factors.
SSDI: The SSDI benefit amount is based on the individual’s earning record. Generally, the more one has paid into the Social Security system, the higher their monthly benefit will be. Unlike SSI, there is no supplementary state payment for SSDI.
3. Medical Eligibility
For both SSI and SSDI, applicants must be unable to engage in substantial gainful activity because of a medically determinable physical or mental impairment which is expected to last for at least 12 months or result in death. However, the process and scrutiny might vary slightly between the two programs because of their different target demographics.
4. Medicare vs. Medicaid
SSI: SSI recipients in California are automatically eligible for Medi-Cal (California’s Medicaid program), which provides comprehensive health coverage at little or no cost.
SSDI: After 24 months of receiving SSDI benefits, recipients become eligible for Medicare, the federal health insurance program mainly for seniors but also for younger individuals with certain disabilities.
5. Waiting Period
SSI: There is no waiting period for SSI. If an individual is approved, they may start receiving benefits from the start of the month following the date of their application.
SSDI: There’s a five-month waiting period for SSDI. This means that after approval, benefits begin starting from the sixth full month of disability.
6. Duration of Benefits
Both programs continue as long as the recipient remains disabled. However, the SSA periodically reviews medical conditions to ensure ongoing eligibility. The frequency of these reviews varies based on the nature and severity of the medical condition.
Understanding the key differences between SSI and SSDI can be instrumental in making an informed choice. If you’re a California resident with limited income and resources and have never worked or haven’t worked enough to qualify for SSDI, SSI might be the appropriate program for you. On the other hand, if you have a significant work history and have paid into the Social Security system, SSDI is likely your best route.
However, this is a generalized overview, and individual circumstances can vary. If you’re considering applying for either benefit, it may be beneficial to consult with a dedicated disability attorney or advocate familiar with California’s unique nuances to ensure you make the best choice for your situation.