SSI & SSDI, explained simply

SSI (Supplemental Security Income) provides monthly payments to people with very limited income and resources who are 65+, blind, or have a qualifying disability. It is need-based — your work history doesn't have to qualify you.

SSDI (Social Security Disability Insurance) provides monthly payments to people who can no longer work because of a qualifying disability and who have earned enough work credits through prior employment.

Most denials come down to missing or unclear information: incomplete medical records, gaps in treatment, missed deadlines, income above program limits, or a condition that hasn't yet been documented to meet SSA's strict definition of disability.

Take a breath — denial often isn't the end. Read your letter carefully, note the deadline (usually 60 days), gather updated medical records, and file for reconsideration. Many people are approved on appeal once their file is more complete.

Reconsideration is the first step in appealing. A new SSA reviewer takes a fresh look at your file along with any new evidence. It's your chance to fill gaps, clarify your condition, and add supporting statements.

Detailed medical records, a clear list of providers and medications, treatment history, statements about how your condition limits daily life, work history, and any school or IEP records (when relevant) all help paint the full picture.