Learn how you can put our century’s worth of experience on your side by calling our disability lawyers in Iowa for a free consultation at (855) 801-1633.

What Is The Difference Between SSI And SSDI?

While both SSI and SSDI are programs that the Social Security Administration offers to supplement the income of those who are unable to work due to medical disabilities, they serve two populations. 

SSI vs. SSDI

• SSI
  • Intended for those with low income and who have not worked enough to earn the credits needed to qualify for SSDI
  • Eligibility:
    • Not based on work history; available for those who do not qualify for SSDI and have limited income and resources (cash or property)
    • The person must be 65 years of age or older or blind (any age) or have a disability (any age)
    • Must have $2,000 or less in cash or combined bank accounts
    • The value of a home is considered separately and will not disqualify a person from receiving SSI
    • Automobiles with a fair market value of up to $4,500 will not be included in a person’s resources
  • Benefits begin the first full month after the date the claim was filed, or if later, the date when the person was found to be eligible for SSI
• SSDI
  • Intended for those who have worked and can no longer work due to a physical or mental disability
  • Available for those who contributed through taxable income or have earned enough work credits; 20 or more “quarters of coverage” within the last 10 years and you are fully insured
  • Benefits begin on the 6th full month of disability. The 6th month period begins with the first full month after the date the Social Security Administration decides that the disability began.

The difference between SSI and SSDI is that SSI is determined based on a person’s age/disability as well as their limited income and resources. SSDI is determined based on a person’s disability and work credits.

Local Support for Social Security Disability in Cedar Rapids and Eastern Iowa

Living in Cedar Rapids or anywhere in Eastern Iowa, you know how challenging it can be to navigate the Social Security Disability process. The local economy, heavily influenced by industries such as manufacturing and agriculture, means that many residents face unique challenges when a disability prevents them from working. Missing work for an extended period can lead to financial strain, especially when dealing with the complexities of Social Security Disability Insurance (SSDI).

At Hugh Field, we understand the specific needs of our community. We are familiar with the local resources and government entities that can provide additional support, such as the Iowa Workforce Development and the Linn County Department of Human Services. While we do not partner directly with these entities, we can guide you on how to leverage their resources effectively.

One common pain point for residents in Cedar Rapids and surrounding areas is the lengthy and often confusing SSDI application process. Many find it difficult to gather the necessary medical documentation and navigate the legal requirements. Our team is here to help you through every step, ensuring that you have the best chance of securing the benefits you need.

We also recognize the importance of community support. Whether you're attending a local support group at the Cedar Rapids Public Library or seeking advice from the Eastern Iowa Health Center, having a network can make a significant difference. Our goal is to alleviate the stress of the SSDI process so you can focus on your health and well-being.

For personalized assistance with your Social Security Disability claim in Cedar Rapids or anywhere in Eastern Iowa, contact Hugh Field today. We are committed to helping our neighbors navigate this challenging process with care and expertise.

How Many Hours Can You Work on SSI in Iowa?

The rules regarding working while on Supplemental Security Income (SSI) can be complex and may vary based on factors such as income, disabilities, and specific state regulations. Typically, there are limits on both the amount of money you can earn and the number of hours you can work while still receiving SSI benefits. In the case of Iowa, it's important to note that the number of hours you work may matter less than how much you earn per month. Self-employed individuals, for instance, may be subject to limitations, such as not working over 45 hours per month.
For precise and personalized advice based on individual circumstances, it's advisable to consult with a qualified legal professional in Iowa. 

How is “Disability” Defined?

The Social Security Administration has a specific definition for “disability”. It is based on your capacity to work and the expected duration of your disability. When applying for SSD, you must submit medical records as proof. You will not be eligible for SSD if your disability is temporary or partial.

Have questions about SSDI? Speak with an Iowa social security disability lawyer at Beecher, Field, Walker, Morris, Hoffman & Johnson, PC! Dial (855) 801-1633.