Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are designed to provide financial support to Americans who are unable to work due to certain conditions. SSDI offers assistance to individuals with disabilities who have worked and paid into the Social Security system through payroll taxes. It connects to the Social Security retirement system but is specifically for those who become disabled before reaching retirement age.

SSI, on the other hand, supports individuals with severe financial needs and limited resources. Unlike SSDI, SSI is available not only to individuals with disabilities but also to those who are blind or over the age of 65. Both programs serve as vital lifelines for residents of California, ensuring access to essential financial support.

Who Qualifies for Social Security Disability Insurance in California?

As noted above, SSDI is available to individuals who have paid into the Social Security system through payroll taxes. To qualify, applicants must have accumulated enough work “credits” based on their employment history. These credits demonstrate a consistent contribution to the Social Security system and are a crucial eligibility factor.

In addition to work history, applicants must meet specific medical and functional criteria. A qualifying disability must be severe enough to prevent the individual from engaging in “substantial gainful activity” (SGA). SGA refers to the ability to perform work that earns more than a certain amount each month, as determined by the Social Security Administration (SSA). Even part-time work could disqualify someone if their earnings exceed the set threshold.

SSDI benefits extend beyond the disabled worker. Certain family members, including spouses and dependent children, may also qualify for benefits based on the worker’s eligibility. This program ensures that disabled workers who have consistently contributed to the Social Security system are not left without support when they can no longer earn a living due to a disabling condition.

Who Qualifies for Supplemental Security Income in California?

SSI is a needs-based program designed to assist individuals with limited income and resources. Unlike SSDI, eligibility for SSI does not require a work history or Social Security tax contributions. Instead, the primary requirement is financial need, determined by stringent income and asset limits set by the SSA.

To qualify for SSI, applicants must be blind, severely disabled, or over the age of 65. For those under 65, the disability criteria are identical to those for SSDI: the condition must be severe enough to prevent the individual from performing substantial gainful activity. Additionally, applicants must demonstrate that their financial resources fall below the allowable limits. This includes an evaluation of bank accounts, property, and other assets.

In California, SSI beneficiaries often receive an additional state supplement to their federal benefits. This added support recognizes the higher cost of living in the state. SSI ensures that the most vulnerable individuals in California have access to basic necessities, providing a safety net for those who cannot work due to age, disability, or blindness.

Get the Most Out of Your SSDI and SSI Benefits in California

Navigating the SSDI and SSI programs can be challenging without knowledgeable guidance. An experienced SSDI and SSI attorney can help you with accurate and thorough applications, avoiding delays or denials.

At Hedtke Law Group, we assist clients in Moreno Valley and beyond with understanding their rights and maximizing their benefits. If you’re applying for SSDI or SSI, or if you’ve been denied benefits, contact our law firm to discuss your options.