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charleston-west-virginaSSDI and SSI in Charleston, West Virginia

There’s a big difference between Social Security Disability Insurance (SSDI) and Supplement Security Income (SSI).  That’s why it’s important to know what qualifies a Charleston resident to such benefits.  Having more information about the application process empowers individuals to seek aid on their own without the assistance of a family member or friend.

The Difference Between SSDI and SSI

There is a vast difference between SSDI and SSI.  SSDI is available to workers who accumulated a sufficient number of credits while working.  SSI disability benefits are available for individuals who A) have never worked or B) didn’t earn enough credits when they did work to qualify for SSDI.

Both programs are overseen and managed by the Social Security Administration but they have entirely different requirements.  SSI is need-based and funded by general fund taxes.  It has nothing to do with work history.  An individual must have less than $2,000 and a couple $3,000 in assets and a very limited income to qualify.

SSDI is based on work credits.  A candidate must be younger than 65 years old and worked a certain amount to become eligible.  Keep in mind this type of benefit has a five month waiting period for benefits.  The amount received each month depends on a person’s earnings record, the same way Social Security retirement benefits are calculated.

Your Benefits Explained

The federal standard for SSI in the city of Charleston is $733 per month for individuals and $1,100 for couples.  When the cost of living increases, the benefit increases.  West Virginia does not pay a state supplement for SSI.  States that do, factor in how the disabled person lives.  If they are cared for by others in a skilled facility, they receive more state benefits.

Knowing the Location of Your Local Field Office Helps

Now that you know the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), you’ll know which one to apply for in Charleston, West Virginia.  You’ll also know what qualifies you for either and how long you’ll wait before hearing whether or not the Social Security Administration approved your request for benefits.  Scheduling a time to visit your local SSA office provides you with the opportunity to speak to someone who answers these questions regularly.  If you’re not sure what to do after researching the application process, it may be best to contact them.