Administrative & Govt. Benefits

SSDI (Social Security Disability Insurance) is based on your work history and the Social Security taxes you've paid, while SSI (Supplemental Security Income) is a need-based program for people with limited income and resources. Some people qualify for both.

Most initial claims are denied, so don't give up — you generally have 60 days to appeal, starting with reconsideration and then a hearing before an administrative law judge. Appealing on time and adding strong medical evidence often improves your chances.

You can apply online, by phone, or at a local Social Security office. You'll need medical records and work history showing that a severe impairment prevents substantial work and is expected to last at least 12 months or result in death.

The typical steps are reconsideration, a hearing before an administrative law judge, review by the Appeals Council, and finally federal court. Deadlines (usually 60 days at each step) are strict, and the ALJ hearing is often the best opportunity to present your case.

There are limited ways to work, such as Social Security's trial work period and "substantial gainful activity" limits, but earning above certain thresholds can reduce or end benefits. Report work and earnings to avoid overpayments.