Social Security Disability Lawyer Penn Hills

If you’re struggling with a disability and need assistance navigating the complex world of Social Security Disability claims, Porta Clark & Ward is here to help. Our team of dedicated attorneys in Penn Hills understands the challenges you face and is committed to fighting for the benefits you deserve. As a Social Security Disability lawyer, we’ll guide you through the process and ensure your rights are protected. Don’t face this fight alone—contact us today at (412) 912-2381 for a free consultation. Let us help you take the first step toward securing your future.

Understanding SSDI and SSI and How to Choose the Right Path for Your Disability Benefits

If you are unable to work due to a disability, you may be wondering which program—Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI)—is right for you. Both programs are administered by the Social Security Administration (SSA), but they have different eligibility requirements, benefits, and application processes. As a personal injury lawyer serving Penn Hills, we understand how confusing this can be, especially when you’re already facing physical, emotional, and financial challenges.

What Is SSDI?

Social Security Disability Insurance (SSDI) is a program designed to provide benefits to individuals who are disabled and have worked long enough and paid into the Social Security system through payroll taxes. This is a disability insurance program, so your eligibility depends on your work history and the number of work credits you’ve earned over the years.

To qualify for SSDI, you generally need to have worked for at least five of the last ten years and have accumulated enough work credits. The SSA awards work credits based on the amount of money you’ve earned from working. In 2025, you can earn one credit for every $1,710 in wages or self-employment income, up to a maximum of four credits per year.

What Is SSI?

Supplemental Security Income (SSI) is a needs-based program that provides financial assistance to disabled individuals who have limited income and resources. Unlike SSDI, SSI is not based on your work history. Instead, the program is intended to help people who have significant financial need and meet specific income and resource requirements.

To qualify for SSI, you must meet both disability criteria (as defined by the SSA) and financial requirements. Your income, savings, and other assets are considered when determining eligibility. For instance, in 2025, the SSA’s resource limit for SSI is $2,000 for an individual and $3,000 for a couple. Income limits also apply, so you must have very limited earnings to qualify.

Key Differences Between SSDI and SSI

Eligibility Requirements

SSDI: You must have worked and paid Social Security taxes for a sufficient period of time to earn enough work credits.
SSI: You do not need to have worked or paid Social Security taxes. Instead, eligibility is based on your income, resources, and disability status.

Monthly Benefit Amount

SSDI: The amount you may receive through SSDI depends on your past earnings. Generally, the more you earned while working, the higher your SSDI benefits will be. However, the monthly amount is capped based on the SSA’s formulas.
SSI: SSI benefits are set at a standard rate, but the exact amount may vary depending on where you live and whether you have any other income. In 2025, the federal SSI payment is $914 per month for individuals and $1,371 per month for couples. Some states provide additional funds to supplement federal SSI payments.

Work History and Financial Need

SSDI: SSDI is for individuals who have a work history and have contributed to the Social Security system. The program is designed for people who have become disabled and can no longer work due to a serious condition.
SSI: SSI is a program for individuals with limited income and resources, regardless of their work history. It’s designed for individuals who have not worked enough to qualify for SSDI or who have limited financial means.

Healthcare Benefits

SSDI: Once you’ve been approved for SSDI, you’re generally eligible for Medicare after a 24-month waiting period. Medicare provides health coverage for a wide range of services, including hospital visits, doctor’s visits, prescription drugs, and more.
SSI: If you qualify for SSI, you are also eligible for Medicaid, which provides comprehensive healthcare coverage. Medicaid eligibility typically begins the month after you’re approved for SSI, and it covers a broad range of medical services, including doctor visits, hospital stays, prescription medications, and long-term care.

Which One Should You Apply For?

Choosing whether to apply for SSDI or SSI depends largely on your work history, financial situation, and disability status. Here’s a closer look at which program may be right for you.

Apply for SSDI If You Have a Work History

If you’ve worked for several years and paid into Social Security, SSDI is likely the best option for you. Since SSDI benefits are based on your work history, the more you’ve earned in the past, the higher your monthly benefit could be. Plus, SSDI benefits typically last longer and may provide a higher monthly payment than SSI.

Apply for SSI If You Have Limited Work History or Income

If you’ve never worked or haven’t worked long enough to qualify for SSDI, and you have limited income or resources, SSI may be a better fit. It is designed for individuals who cannot meet the financial requirements for SSDI but are still disabled and in need of financial support. SSI can provide you with a basic level of financial assistance to help cover your living expenses.

Can You Apply for Both?

In some cases, individuals may qualify for both SSDI and SSI. This is often referred to as “concurrent benefits.” For example, if you have a work history that qualifies you for SSDI but your SSDI benefit amount is low enough that you also meet the income and resource requirements for SSI, you may be able to receive both benefits. The SSA will combine your SSDI and SSI payments, but the total monthly benefit will be limited to the amount you are eligible for based on your combined benefits.

The Application Process

Regardless of whether you apply for SSDI or SSI, the application process can be complicated and time-consuming. Many claims are denied initially, and navigating the paperwork and documentation requirements can be overwhelming. It’s important to provide the SSA with thorough and accurate medical records, financial information, and employment history.

It can be helpful to consult with an experienced Social Security Disability lawyer before starting your application. A lawyer can ensure that your application is complete, help gather necessary documentation, and guide you through the appeals process if your claim is denied. At Porta Clark & Ward, we specialize in helping clients in Penn Hills navigate the complexities of Social Security Disability claims. We offer free consultations and can help you determine whether SSDI or SSI is the right choice for you.

Facing Disability? Let Us Help You Navigate the Social Security Process

At Porta Clark & Ward, we understand how overwhelming the Social Security Disability process can be, but you don’t have to face it alone. Our team is dedicated to providing compassionate legal support. Whether you’re just starting your application or facing an appeal, we’re here to fight for your rights. Call us today at (412) 912-2381 for a free consultation and take the first step toward securing the benefits you deserve. Let Porta Clark & Ward be your advocate in this important journey.