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SSDI vs. SSI

SSI vs. SSDI 

Helping Clients Secure SSI or SSDI in Davenport & Throughout the midwest

Regarding Social Security benefits, it's essential to understand the distinctions between Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). While both programs aim to assist individuals with disabilities, they differ significantly in terms of eligibility criteria and the nature of the benefits.

At Bowman, DePree & Murphy, our exceptional team of SSDI and SSI lawyers have built a reputation for thoroughness, competence, and care for individuals and families needing these federal benefits. 

Since the 1980s, our firm has represented thousands of people in applications and appeals. Because we concentrate on these cases to the exclusion of other legal matters, we have gained the focused knowledge and experience needed to increase your chances of success. 

Arrange for a free case review with a Davenport attorney focusing on SSI and SSDI applications by calling Bowman, DePree & Murphy at (563) 412-4755. Or contact us online.

Stay In The Know

  • When Should I Apply for Benefits?
    Unless you have an obvious long-term disability, the best time to apply for Social Security disability benefits is 6-9 months after you stop working.
  • When Do You Suggest I Hire a Lawyer?
    Most claimants wait until their claims are denied on reconsideration before hiring a lawyer. Most observers agree this timing works well because it is at a hearing that having a lawyer truly makes a difference.
  • When Am I Likely to Receive a Hearing?
    It can take up to two years from request until a hearing is held and a decision issued, but the time varies from state to state.

What Is the Difference Between SSI & SSDI?

SSDI is available to individuals who have accumulated sufficient work credits through previous employment. It operates like an insurance program where the "premiums" are paid through Social Security taxes deducted from your earnings. To be eligible, you typically need to have worked for about 10 years in jobs covered by Social Security, though the specifics can vary based on your age.

SSI benefits are need-based and do not require prior work history. Instead, eligibility is determined by financial resources and income. SSI aids those with limited income and assets, including disabled adults and children and individuals aged 65 and older without disabilities who meet the financial criteria.

Differences include:

Funding Sources

SSDI is funded through payroll taxes collected under the Federal Insurance Contributions Act (FICA). The amount you receive is based on your average earnings over your working lifetime.

SSI is funded through general tax revenues, not Social Security taxes. The benefit amount is predetermined and may be supplemented by state funds to offer additional assistance.

Benefits

SSDI recipients receive a monthly benefit amount calculated based on their earnings record. After two years of receiving SSDI benefits, individuals become eligible for Medicare.

SSI provides a monthly benefit to help with basic needs such as food, clothing, and shelter. Upon approval, SSI recipients typically qualify for Medicaid immediately.

Medical Criteria for SSI & SSDI

SSI and SSDI require applicants to meet the SSA’s strict definition of disability. Regardless of differences in financial or work requirements, both programs' medical criteria remain consistent.

The condition must be severe enough to interfere with basic work-related activities and prevent substantial gainful activity (SGA). The impairment must be expected to last at least 12 months or result in death. Detailed medical documentation and evidence, including medical records, treatment history, and assessments from healthcare providers, are crucial.

Why Is Legal Representation Advantageous in SSDI & SSI Applications?

The application process for SSI and SSDI can be daunting, and there is a high denial rate. Having legal representation can be invaluable. Our attorneys bring 60 years of combined experience to your case; we understand SSA regulations and procedures. That enables us to make the application process thorough, accurate, and timely.

We can assist in gathering and organizing all necessary medical evidence and documentation, presenting a solid case that meets SSA’s stringent requirements. This increases the likelihood of approval, especially during appeals, where professional advocacy can make a critical difference. 

Putting an attorney from Bowman, DePree & Murphy in your corner can reduce the stress of dealing with a vast government agency. If your application is denied, we can effectively navigate the multi-stage appeals process, presenting compelling evidence to administrative law judges and other decision-makers. 

Consult with a Davenport lawyer for federal benefits under SSDI or SSI by contacting us online or at (563) 412-4755. 

Hear From Our Happy Clients

See Why We Will Make a Difference for Your Case & Get You the Rights You Deserve.
    "I cannot say enough positive things about having Thad Murphy as my disability lawyer."
    He walked me thru each step of the process and made sure everything was in order and ready for my appeal. I spoke to many different lawyers before I decided to go with Mr. Murphy and I think it was one of the most important decisions I ever made.
    - Tim S.
    "I could never have done it again or been successful without Mr. Murphy's help.& dedication to his clients."
    I tried 10+ years to get my disability only to be told No over and over. I was frustrated, worried, and tired of trying & fighting only to be told NO yet again. A friend told me about Bowman, DePree & Murphy in Davenport. I'd heard the name in pass
    - Charity M.
    "I can now rest my head."
    I just like to thank you Michael Dupree for being my savior which has changed my life for the better unfortunately disability is a part now but thanks to you.
    - Nathaniel L.
    "Great Disability attorney! My decision to work with Mr. Thad Murphy was life changing, at the right time."
    Mr. Murphy was able to get my disability on the first appeal and charged a very fair rate which was under the cap from my settlement of back pay from being off for five years.
    - Benjamin B.
    "I love this place!"
    They helped me out with my disability when I couldn't get it on my own. Thank you so much y'all!
    - Tammy H.
    "I only wish I would have reached out sooner. Fair, Honest, and will work for your Win."
    HIGHLY RECOMMEND this Office!! My case was very complex, and had me exhausted. I had been looking for the right Attorney, and found him right here. Thad Murphy handled my case in an amazing amount of time.
    - Sandra R.
    "Everything you would expect."
    Did a great job with explaining the steps we need to take to secure our future and our children.
    - Amy S.
    "I would recommend him or this office to anyone who needs help!"
    I had the honor to work with Mr. Murphy. He handled my disability case. He is very understanding and is there if you have questions.
    - Amber W.
    "They got my disability for me very quickly."
    So very pleased! I referred 5 friends to them and they got their disability for them as well! Two from Davenport area, and three in Burlington!! GREAT ATTORNEYS!!! I'm still recommending them!
    - Melody L.

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We’re here to help answer your questions. Judicial matters can be complicated, we will make it easy to understand. We take great pride in using our expertise for you and look forward to hearing from you.

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