Posted on May 7, 2018

Law Office of Robert C. Buckley, Esq.

What is the difference between SSI and SSD?

Social Security has two disability programs: SSI and SSD. These are also known as "title 16" and "title 2" respectively. Both programs look at the factors discussed above to determine if a person is capable of working. But SSI differs from SSD in two important ways: 1) it is a "means based" program, meaning it is intended for individuals with financial need who have not earned enough quarters of coverage to qualify for SSD; and 2) the monthly award is determined by federal and state guidelines and is generally lower than SSD award amounts. To qualify for SSD, a person has to have 20 quarters of coverage in the 10 years preceding their application for disability; and award amounts are based on a person's earnings record. Because SSD is not "means based" a person will not lose eligibility based on having too much money in the bank.

I just received a letter from social security denying my SSI or SSD disability application. What do I do?

Make sure you request an appeal in writing within 60 days of receiving your denial letter. Requesting an appeal verbally, on the phone with a social security representative, does not count.