When you are unable to work due to a disability, financial stability can become one of your biggest concerns. The federal government provides two major programs designed to help disabled individuals meet their basic needs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). While both programs are managed by the Social Security Administration (SSA), they serve different purposes and have different eligibility requirements. Understanding these differences can help you know which program you may qualify for and what benefits you can receive.
What Is SSDI?
Social Security Disability Insurance (SSDI) is a federal program that provides benefits to people who are “insured.” This means you have worked and paid Social Security taxes for a certain number of years. Your work history and the amount you have contributed to Social Security determine whether you are eligible for SSDI benefits.
To qualify for SSDI in Arkansas, you must:
- Have a qualifying disability that prevents you from performing substantial gainful activity
- Have earned enough work credits based on your age and work history
- Have paid Social Security taxes on your earnings
Once approved, SSDI benefits typically include monthly payments and eligibility for Medicare after 24 months of receiving benefits. Your dependents may also qualify for benefits under certain circumstances, such as minor children or a spouse caring for them.
What Is SSI?
Supplemental Security Income (SSI) is a needs-based program for individuals with limited income and resources. Unlike SSDI, SSI is not based on your work history. Instead, it provides financial assistance to people who are disabled, blind, or age 65 and older, who have limited financial means.
To qualify for SSI in Arkansas, you must:
- Be disabled, blind, or over the age of 65
- Have very limited income and financial resources
- Be a U.S. citizen or qualifying resident
Because SSI is needs-based, your financial situation plays a major role in determining eligibility. The SSA will look at your income, savings, and any assets you own. Recipients of SSI in Arkansas also often qualify for Medicaid, which provides essential healthcare coverage at little to no cost.
Key Differences Between SSDI and SSI
Although SSDI and SSI both help people with disabilities, the main difference lies in how you qualify and the benefits you receive. Here’s a breakdown of the key distinctions:
| Feature | SSDI | SSI |
|---|---|---|
| Eligibility | Based on work history and Social Security tax contributions | Based on financial need and limited income/resources |
| Funding Source | Funded by payroll taxes (Social Security trust fund) | Funded by general federal tax revenues |
| Health Coverage | Medicare (after 24 months) | Medicaid (immediate eligibility in most cases) |
| Dependents’ Benefits | May be available for qualifying family members | Not available for dependents |
| Amount of Benefit | Based on past earnings | Based on financial need and federal rate |
Applying for SSDI or SSI in Arkansas
Applying for disability benefits can be challenging. Many first-time applicants are denied due to incomplete paperwork or lack of medical evidence. To improve your chances of approval, it’s important to understand the process and gather thorough documentation.
The application can be completed online through the Social Security Administration website or in person at your local Social Security office. In Arkansas, several local SSA offices assist applicants throughout the state. You’ll need to provide detailed medical records, proof of income, and information about your work history.
For SSI, you will also need to provide financial documentation to show your income and resources. If your claim is denied, you have the right to appeal the decision. Many people choose to work with an experienced disability lawyer at this stage to ensure their appeal is properly handled.
Why Work With a Disability Lawyer in Arkansas
Navigating the Social Security system can be overwhelming, especially when you are dealing with a disability. A knowledgeable attorney can help you determine which program—SSDI or SSI—you may qualify for and guide you through the application or appeals process. Your lawyer can gather medical evidence, communicate with the SSA on your behalf, and represent you at hearings if necessary.
At Pfeifer Law Firm, our team understands how critical disability benefits are to your financial stability. Attorney Paul Pfeifer and his staff have extensive experience helping clients in Little Rock and across Arkansas obtain the benefits they deserve. Whether you’re applying for the first time or appealing a denied claim, our firm is here to support you every step of the way.
Resources and Support
If you’re unsure which benefits you qualify for, you can review the SSA’s official disability guidelines at the SSA Blue Book. It lists medical conditions that may qualify as disabilities under federal law. You can also visit reputable sources like the Nolo Legal Encyclopedia for additional insights into disability law.
Contact Pfeifer Law Firm for Help With Your Disability Claim
If you’re struggling to understand whether SSDI or SSI is right for you, don’t face the process alone. The Social Security Disability attorneys at Pfeifer Law Firm can explain your options, help you prepare your claim, and represent you during every step of the process. We proudly help clients throughout Little Rock and the entire state of Arkansas secure the benefits they need to move forward.
Call us today or visit our website to schedule a free consultation. Let us help you get the support you deserve.