Can you get both SSDI and SSI in Santa Fe?

Santa Fe, NM – The Social Security Administration (SSA) has two programs available to people with a severe disability – Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). In most cases, people apply for either SSDI or SSI, but under certain circumstances, you may receive both types of disability benefits.

What are the eligibility criteria for disability benefits?

The most important part is proving that you suffer from a severe condition that makes you unable to work or earn enough money to meet your needs. The conditions that make you eligible for disability benefits are listed in the SSA’s so-called Blue Book. This contains both physical and mental conditions. However, the simple fact that you have been diagnosed with a condition that may be on the list does not mean you are automatically entitled to SSDI or SSI.

You must meet the SSA’s definition of disability.

If you’re considering applying for either of the two programs, you should contact seasoned disability benefits lawyers in Santa Fe. You will need help to gather evidence that your condition is severe enough and doesn’t allow you to earn a living.

When can you get both SSDI and SSI?

The SSA uses the term “concurrent” when you qualify for both SSDI and SSI. Basically, to get concurrent disability benefits you must prove that you’ve earned enough work credits to qualify for SSDI and your financial situation makes you eligible for SSI.

SSDI is meant to offer financial assistance to people who have paid Social Security throughout their life. Your Santa Fe disability attorneys will help you prove that you’ve worked for a certain number of years and earned the required number of work credits. When you apply for SSDI, the SSA won’t ask you about your current financial situation. The SSDI payment amounts are based on your average lifetime earnings.

On the other hand, SSI is needs-based. The program is available to people who are disabled, blind, or at least 65 years old. Your work history is not important. You won’t be asked about the number of work credits you’ve earned. They will however look at your financial situation.

To qualify for SSI a single person must have a monthly income below $841, or $1,261 for a couple. At the same time, an individual must have less than $2,000 in financial assets, excluding your primary residence and car, to qualify for SSI. If you have specific questions about the assets that you are allowed to have to be eligible for SSI, talk to a skilled social security attorney in Santa Fe.

To get both types of benefits, your SSDI payment should be less than the maximum income allowed under SSI.

What are the benefits of getting both types of benefits?

The main drawback is that the combined benefits are essentially capped by the SSI maximum. Basically, getting both types of benefits doesn’t mean more money. Why bother then?

The most important benefit is that you can start receiving SSI right away and you’ll also get access to Medicaid.

Your SSDI will start coming in only after a 5-month wait period. Also, you’ll have to wait for two years before getting Medicare coverage.

Applying for both means that you’ll have the SSI money to tide you over until your SSDI kicks in. Also, having access to both Medicaid and Medicare is essential for people suffering from serious conditions.

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