How to Get Approved for SSI or SSD: What You Need to Know

How to Get Approved for SSI or SSD: What You Need to Know

When you’re struggling to stay housed, income stability can make all the difference. Two major government programs—SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance)—provide monthly support for people who cannot work due to disability. But the process can be confusing, especially when you're already facing hardship.

This guide breaks down the differences between SSI and SSD, and shows you how to get approved, whether you’re an individual, a veteran, or part of a struggling family.

✅ What’s the Difference Between SSI and SSD?

Feature	SSI (Supplemental Security Income)	SSDI (Social Security Disability Insurance)
Who qualifies?	Low-income individuals with little or no work history, who are aged 65+, blind, or disabled	People who are disabled and have a qualifying work history
Work history required?	No	Yes – usually 5 of the last 10 years
Income/asset limits?	Yes – very strict ($2,000 in assets for single adults)	No asset limit, but income from work must be under a set amount
Health coverage?	Medicaid	Medicare (after 24 months)
Monthly benefit amount	Based on federal rate and your financial need	Based on how much you’ve paid into Social Security

📝 Steps to Get Approved for SSI or SSDI

1. Gather Medical Evidence

You’ll need solid proof that your physical or mental health condition prevents you from working. This includes:

• Doctor reports and treatment notes

• Hospital visits, test results, and imaging (X-rays, MRIs, etc.)

• A written statement from your physician about your work limitations

2. Check Your Eligibility

• SSI: Is your monthly income low? Are your resources (savings, property) under the limit?

• SSDI: Have you worked enough years and paid into Social Security taxes?

3. Apply Through Social Security

You can apply in several ways:

• Online at ssa.gov/apply

• By phone at 1-800-772-1213

• In person at your local SSA office (call to schedule)

4. Be Honest and Detailed

Complete the Disability Report with as much information as possible. Include:

• A full list of your doctors and clinics

• Prescribed medications

• Daily challenges and how your condition affects your life

5. Respond Promptly

You might receive:

• Requests for more documentation

• A notice to attend a consultative medical exam

• Forms with strict deadlines—don’t ignore them!

6. Be Patient, and Don’t Give Up

Initial decisions can take 3 to 6 months. Many are denied at first. If that happens:

• Appeal immediately

• Consider getting help from a disability attorney (they only get paid if you win)

🔁 Why This Matters for Homeless Prevention

Whether you’re a veteran adjusting to civilian life, a parent supporting children, or an individual coping with health challenges, monthly disability benefits can be the safety net you need. Stable income means:

• Paying rent on time

• Affording basic needs

• Avoiding eviction

• Rebuilding your future

Legal

According to many individuals we've spoken with, it often takes applying for SSI up to three times before finally being approved. If you've been denied, don’t give up—many approvals happen during the appeal process. For help, you can contact Legal Aid Society of Long Island, which offers free legal representation for eligible individuals applying for SSI or SSD.

📞 Call: (516) 292-8100 (Nassau) or (631) 232-2400 (Suffolk)🌐 Website 

They can guide you through appeals, gather supporting documents, and represent you at hearings—all at no cost if you qualify.

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