Cooke & Company, Inc. represents clients in all three of the SSA disability programs explained below. And we take clients at all levels of the disability process, including Initial Application, Reconsideration of Denial, Administrative Law Hearing and Appeals Council Review.
Social Security Disability Insurance (SSDI)
Officially called Title II Retirement, Survivors and Disability Insurance (RSDI) is a payroll tax funded federal insurance program based on money a qualified claimant has already paid into the system. It is calculated in quarters, and you must have 40 total quarters and 20 in the last 10 years to qualify. It provides a regular monthly benefits check and can come with retroactive benefits as well, typically paid out within five months of a judge’s favorable decision. And 24 months after your disability entitlement date, you are eligible for Medicare Part A hospital benefits, Medicare Part B medical benefits and Medicare Part D, the prescription drug plan.
Supplemental Security Income (SSI)
Officially called Title XVI Supplemental Security Income (SSI) is a federal program financed by the general fund at the generosity of the American people that allows disability benefits to claimants who have not worked enough to qualify for paid-in Title II benefits, or have a gap between stopping work and receiving disability. It pays a monthly subsistence-level benefit and comes with Medicaid. It can also come with retroactive benefits, typically paid out in three installments over 12 months.
Concurrent disability benefits (RSDI & SSI)
If qualified for RSDI benefits, a claimant is allowed to apply for RSDI and SSI concurrently, or at the same time, to cover any gaps in coverage. However, there is a common misconception about Concurrent claims: they do not pay more in benefits than a single RSDI or SSI claim. In a winning case, the Administration pays the claimant SSI retroactive benefits first, then offsets, or subtracts, the SSI retro from the RSDI retro before paying the RSDI benefit. The end result is the same amount of retroactive benefit, but typically paid out over a year rather than five months. In fact, if the claimant does not have outstanding medical bills that may be paid through the Medicaid benefit, it may be more favorable to the claimant to cancel the SSI portion of a Concurrent claim.
Cooke & Company, Inc. helps you understand every benefit that may be available to you, whether it is SSI, RSDI or Concurrent claim, and we can assist you at whatever level of the process you are in, from Application to Appeals Council.