If you find that you are unable to work and hold gainful employment because of a medical condition, you know that it is placing your Oklahoma family at a risk for financial duress. You need income to support your family and take care of your own needs, but if you are physically or mentally unable to do so, it can be both disheartening and overwhelming.
While your situation is serious, you have certain options available to you. You could be eligible for federal disability benefits through Social Security. Your options may include either Social Security Disability Insurance or Supplemental Security Income. The eligibility requirements for each are different, and you may find it beneficial to gain an understanding of your options and your right to seek support through some type of disability program.
What’s the difference between SSDI and SSI?
While both of these programs exist for the support of individuals who are unable to work, they benefit two different groups of people. The main difference between the two is because of eligibility, but they are distinct for the following reasons:
- SSDI: SSDI benefits are generally only available to individuals who paid into the Social Security system through their taxable income. If you used to work but are now no longer able to, it is likely that you qualify for SSDI benefits.
- SSI: These benefits are typically available to people who do not have a history of gainful employment. This is primarily for people who are low-income and have not worked enough to qualify for SSDI.
The benefits that are available to you depend largely on your income and financial situation, but you must also have a qualifying medical condition. If you believe that you may have a valid claim to federal benefits or you have questions about eligibility requirements, you would be wise to seek a full understanding of the options available to you.
Getting the support you deserve
It can be difficult to apply for and actually obtain federal disability benefits, even when you have a valid claim. The application process is complex, and many first-time claims come back denied.
Whether you qualify for SSDI or SSI, you do not have to walk through the application and appeals process alone. From the very beginning, you may find it beneficial to obtain knowledgeable support and guidance as you seek the support you need to take care of yourself and your family.