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If someone might be eligible for unemployment but is also unable to continue working, should he apply for unemployment or SSI?

Question:

If someone might be eligible for unemployment but is also unable to continue working, should he apply for unemployment or SSI?

Answer:

  • If he is eligible for unemployment and the amount is more than the Federal Benefit Rate (FBR)*, then he should take the higher amount (unemployment) as long as he can.  The medical approval for SSI will last for 12 months, so if the unemployment only lasts a few months, he can always reapply for SSI (the non-medical application) and SSA will use the medical decision from his last application. 

    *This figure is updated annually and can be found at SSA Annual Updates.