Do you get SSI, SSDI, or Both?
People who receive Social Security disability benefits often don’t know which one they have (SSI or SSDI), let alone understand all the ins and outs. Some might get both and not even know it. Be the exception and find out what kind of disability benefits you receive!
How You Can Find Out
To confirm what benefits you get, call Social Security Toll-Free at 1-800-772-1213 and ask them to mail you a copy of your “Benefits Planning Query (BPQY) SSA-2459 form,” or visit your and request one. If you’re under 18 or have a Representative Payee, your parent/guardian or Representative Payee can help you with this. The information on your BPQY is extremely important, especially if you’re thinking about Going to Work and/or Going to School. It gives you a current snapshot of your:
- Disability Cash Benefits
- -Scheduled Medical Reviews-
- Health Insurance
- Work History
Interested in seeing a sample of a BPQY? If so, click here!
If you need help understanding your BPQY, ask for clarification from Social Security or a benefits specialist in your area. If you find any errors on your BPQY, have your local Social Security office correct these and obtain a copy of your new BPQY!
SSI vs SSDI
Below is a chart that outlines some of the major differences between the two main Social Security disability programs — Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI).
Supplemental Security Income (SSI) |
Social Security Disability Insurance (SSDI) |
|
---|---|---|
Disability Eligibility Requirements |
You must be declared medically disabled under the adult medical standards |
You must be declared medically disabled under the adult medical standards |
Financial Eligibility Requirements |
For an individual, you must have assets below $2,000 |
There are no income or asset limits |
Work Eligibility Requirements |
You don’t need any work history |
You must have a certain amount of work history |
Type of Health Insurance Coverage |
You’ll be automatically enrolled in the state Medicaid program (in MA it’s called MassHealth) |
After receiving 24 months of SSDI checks, you’ll be automatically enrolled in Medicare |
Monthly Cash Benefits |
Cash payments can vary from month-to-month depending on your income, living situation, etc. |
Cash payments are usually the same from month-to-month and are based on your work history. |
If you receive SSI and are under 18, things work a bit differently. To get the specifics about this, and what will happen after you turn 18, click here.
Sometimes you can receive a form of SSDI that’s called Childhood Disability Benefits (CDB). This is something you get based on a disabled, deceased or retired parent’s work history. To be eligible, you have to have been diagnosed as a person with a disability prior to age 22 and be ineligible for SSDI based on your own work history. To get more information, check out this this presentation.
Get an Online Account with Social Security
Create an online account with the Social Security Administration! This is a great way to keep track of your benefits. For instructions on setting up an account and