If you can’t work due to a disability, Social Security Disability benefits might be able to help. However, the process can feel confusing. If you're applying in South Carolina, it’s important to know the difference between Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI). The attorneys at McChesney & Ours, P.C. are here to explain these programs and help you make the best decision for your situation.

What is Supplemental Security Income (SSI)?

Supplemental Security Income (SSI) is a program for people with disabilities who have low incomes and few resources. It’s not based on your work history but on financial need. To qualify for SSI in South Carolina, you must meet strict income and asset limits set by the Social Security Administration (SSA).

What is Social Security Disability Insurance (SSDI)?

Social Security Disability Insurance (SSDI), on the other hand, is for people who have paid into the Social Security system through their jobs. SSDI eligibility depends on the work credits you’ve earned from your work history. Also, it’s more than just the work credits you’ve accrued over your lifetime, you also need enough recent work credits to qualify - and, in South Carolina, the number of work credits you need depends on how old you are when you become disabled.

What are the Key Differences Between SSI and SSDI?

Qualifications:

  • SSI is based on financial need.
  • SSDI is based on your work history and the amount of time you’ve contributed to Social Security.

Income Limits:

  • SSI has strict limits on how much money and assets you can have.
  • SSDI has no income limits but requires you to have work credits.

Healthcare Coverage:

  • SSI recipients usually qualify for Medicaid.
  • SSDI recipients qualify for Medicare after a waiting period.

Benefit Amount:

  • SSI payments are set by the federal government.
  • SSDI payments are based on your average lifetime earnings.

What if My SSI or SSDI Application is Denied?

If your application for SSI or SSDI is denied, don’t panic—you have the right to appeal the decision. Most people are denied benefits at first, but with legal assistance, you can get a better outcome on appeal. Here’s what to do:

  • File an Appeal: You must file your appeal within 60 days of receiving your denial letter.
  • Review the Reasons for Denial: Understanding why your claim was denied is crucial to fixing any issues in your application.
  • Submit New Evidence: Often, claims are denied because the SSA needs more proof of your disability. You can submit additional medical records or documentation.
  • Get Legal Help: Having an experienced attorney on your side can make a big difference. McChesney & Ours, P.C. can help you file a strong appeal and guide you through the entire process.

How Our SSDI Lawyers Can Help

If you're in South Carolina and need help with your Social Security Disability claim, McChesney & Ours, P.C. is here to support you. Whether you need help applying or want to appeal a denial, our attorneys have the experience to guide you.

Contact McChesney & Ours, P.C. Today

Schedule a consultation with our South Carolina Social Security attorneys today. We’ll help you secure the benefits you deserve and make the process less stressful. Reach out now to get started.