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Difference between SSI and Social Security disability insurance (SSDI)

What's the difference between (SSDI) Social Security Disability Insurance and SSI for someone who is disabled? Is there a difference and which do you pick?

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SSDI is for disabled individuals (as defined by the Social Security Administration) who have qualified for benefits by working a certain number of quarters.  SSI, on the other hand is needs based.  For both SSI and SSDI, the Social Security Administration applies a multi-step analysis to determine whether a person's disability is serious enough to interfere with their ability to work.  Under SSI a person who meets the Social Security Administration's definition of 'disabled' may receive benefits even if they have never worked. 


Generally speaking, in order to qualify for Supplemental Security Income (SSI), the applicant cannot have more than $2000 in assets.  In making this determination, the Social Security Administration will consider the following "resources":  cash, stocks or bonds, money in bank accounts, personal property, a second motor vehicle, and any real estate not the residence of the claimant.  As you may have deduced from the above, the SSA does not count your home, your car, and other assets including, but not limited to, burial savings, support payments, and wedding rings.  Good luck and please tell your friends about The Forum.

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