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Should I apply for SSDI or SSI benefits if I am unable to work?

West Virginia readers know that there are certain types of benefits available to individuals who are unable to work because of physical or mental conditions. If you are currently unable to work because you suffered a disabling injury or your condition is such that you can no longer carry out the obligations of your job, you have rights.

You could have a rightful claim to disability benefits, but there are things you may need to know before you apply. There are two types of programs available to you, Social Security Disability Insurance and Supplemental Security Income, and each of these have specific eligibility requirements. Before you move forward with your application for benefits, it is helpful to seek a full understanding of your rights and options.

Two main benefits programs

As a disabled individual, the prospect of applying for and obtaining disability benefits is intimidating. You can better understand your options by understanding the requirements and differences between SSI and SSDI, which are as follows:

  • SSDI: SSDI are benefits available to people with a qualifying work history. In order to be eligible, you must have a disabling medical condition, as well as a history of paying into the Social Security system while you were working.
  • SSI: These benefits are for people who have low income or who may not have a qualifying work history. Applicants must have a disabling medical condition, and they must have proof of a lack of income and financial resources.

Unfortunately, the disability claims process is complex and frustrating. Some applicants find their initial application comes back denied, necessitating a request for reconsideration or appeal. If you are applying, already received notice of a denied claim or simply want to know more about eligibility requirements, you may find it helpful to seek a complete evaluation of your case.

You do not have to fight alone

Many people do not understand they have the right to seek help as they fight for benefits. This is not a process you have to walk through alone, but you can seek guidance for every step of the way. From the initial application to any necessary appeals, you do not have to fight for the financial support you need by yourself.

If you cannot work and are unsure whether SSDI or SSI is the right choice for you, you have no time to lose in securing a full explanation of your rights and protection of your interests.

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