Let’s look at the advantages of being on both benefit programs.
SSDI and SSI provide different medical benefits:
- Supplemental Security Income provides Medicaid benefits which can pay for treatment, specialists and surgeries.
- Social Security disability insurance provides Medicare benefits, including Medicare Part D, which pays for prescription drugs.
ADVANTAGE 1: If you get both SSDI and SSI, you may be able to get both Medicare and Medicaid.
The second advantage deals with how the two programs pay benefits. A word of warning, this gets pretty technical.
- SSI can only pay you back to your protected filing date and SSDI can only pay 12 month of back benefits.
- Plus SSDI further reduces how much you get in back benefits with the 5 month waiting period.
If you really want to figure out how all that works, just click the links above.
ADVANTAGE 2: If the 5 month waiting period is keeping you from getting all your SSDI benefits, you might be able to get SSI benefits during those 5 months. BUT… that only works if your protected filing date is within 5 months of your onset date.