We had a recent question from a reader:
Q: I’ve been approved for SSI, but I really would like to get on disability instead.
A: Unfortunately, unless you’re “insured” for Social Security Disability Insurance Benefits (SSDI), (or can qualify on a family member’s earnings record) there is nothing an attorney can do you get you on SSDI. There are certain requirements that you need to meet to qualify for SSDI. Most important, is that you must have worked (and paid payroll taxes) for five out of the last ten years before becoming disabled.
Many people face this situation. They don’t meet the requirements for Disability Insurance Benefits (DIB or SSDI), but can get SSI because their resources are low enough. One benefit that comes with SSI is Medicaid, which means you get better prescription coverage.
See our post about the differences between SSI and SSDI for more details.