SSI & SSDI Explained

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    Do you have questions about SSI & SSDI? Ohio Disability Attorney Rebecca Cervenak is here to help. Read this blog to learn more about SSI, SSDI, the differences, and qualifications. 


    The definition of disability is the same for both programs, but the non-disability or “technical” criteria is different for each program.  Before the Social Security Administration (SSA) will even consider your physical or mental impairments, the need to determine which, if either, program you qualify for. 

    Definition of Disability 

    Adult Disability Defined 

    “Inability to do any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.” 42 U.S.C § 423 (d); 20 C.F.R §§ 404.1505, 416.905.

    Technical Criteria

    Social Security Disability Insurance (SSDI), also known as Title II, Title 2, or DIB 

    All four acronyms above refer to a claim based on earnings and social security taxes paid. Usually, the person applies for disability based on their own work credits, but the benefits can also go to a Disabled Adult Child or a Surviving Spouse. The monthly amount paid is based on how much and how long the working individual contributed to the system.

    However, disability insurance does not last forever. SSA looks at the individual’s recent work (typically the last ten years) to determine a worker’s Date Last Insured (typically 5 years since the person last worked). 

    If an individual cannot establish that his/her disability started before the DLI, he/she may still be eligible for Supplemental Security Income (SSI) benefits since the DLI does not apply to SSI benefits.

    Supplemental Security Income (SSI), also known as Title XVI, Title 16, or DI

    All four acronyms above refer to the social security limited income and resources program. Prior to considering whether an individual meets the criteria for disability, the individual must meet an income and resource test. 

    Application for Benefits

    Applicants often file for both SSDI and SSI benefits. SSA will send a notice immediately upon completion of the application process if an individual fails to qualify for either SSDI or SSI benefits. This notice is a technical denial notice and not a medical determination. 

    Continue to follow our website, blog, and social media for more blogs from Rebecca! Rebecca is part of our team of Warren OH disability lawyers at Liner Legal. Our team serves all of Ohio, filling the need for Wooster OH disability lawyers, Medina, Ohio disability attorneys, Columbus OH disability lawyers, and more. If you have a question you’d like to see answered, click here