Supplemental Security Income

SSDI is based on your work record, while SSI is based on financial need. SSI may help people who never worked enough to earn Social Security credits or whose SSDI benefit is very small. Some people qualify for both programs. SSI has strict limits on income and countable resources, such as cash and bank accounts, although some items like a primary home and one vehicle may not count. In many states, receiving SSI also makes you eligible for Medicaid. Social Security can screen you for both programs at the same time if you ask when applying.

Because SSI is means tested, money from settlements, trust funds, crowdfunding or large gifts can reduce or end benefits if it pushes income or resources above the limits. Timing and structure matter. Some families use special needs trusts or ABLE accounts, when eligible, to protect benefits, but these tools have strict rules. Report changes to Social Security promptly, since failing to report can lead to overpayments that must be repaid. Talk with a benefits attorney before funds arrive. Planning ahead is far easier than fixing an overpayment after benefits have already been paid.

Gather medical records, including your pathology report, along with proof of income, bank statements and information about any property. Mesothelioma is on Social Security's Compassionate Allowances list, which can speed the medical review. Apply through Social Security by phone or in person. Social workers and legal aid programs can help with forms and gathering documents. Keep copies of everything and respond quickly to any requests for more information. Answer every question on the forms, even when an item does not seem to apply, because missing answers can delay the decision. If you move or your bank account changes, tell Social Security right away so payments are not interrupted.

1. 1

   Collect medical records, bank statements and income information before applying for SSI.

2. 2

   Ask Social Security whether you may qualify for both SSI and SSDI.

3. 3

   Report any new income, gifts or claim payments to Social Security promptly.

4. 4

   Consult a benefits attorney before receiving settlement or crowdfunding money.