If you are living with a disability in Michigan and can no longer work, two federal programs may provide financial support: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). While both are administered by the Social Security Administration and use the same definition of disability, they differ significantly in eligibility requirements, benefit amounts, and the additional benefits they provide access to.
SSDI is an insurance program funded through payroll taxes. To qualify, you must have worked a sufficient number of years and paid into Social Security through your employment. The benefit amount is based on your earnings history, so individuals with a longer work record and higher wages typically receive more. SSDI recipients become eligible for Medicare after a 24-month waiting period.
SSI is a needs-based program with no work history requirement. Eligibility depends on disability status, age (65 or older also qualifies), and financial need — your income and assets must fall below program limits. SSI benefit amounts are set by the federal government and supplemented in some states. In Michigan, SSI recipients generally qualify for Medicaid immediately, which provides valuable healthcare coverage.
Some individuals qualify for both programs simultaneously — called concurrent benefits. This typically occurs when someone has a modest work history that qualifies them for a small SSDI payment, but that payment is low enough that they still meet SSI’s financial criteria. The right program — or combination of programs — depends on your individual work history, current income, and assets.
Applying for the wrong program, or failing to apply for one you qualify for, can mean leaving benefits on the table.
Our team at Grech Law Firm Attorney & Counselor helps Michigan residents evaluate their options and apply for the programs that best fit their situation. Contact us for a free consultation.
