Summary
Learn the key differences between SSDI and SSI, including how each program works, who may qualify, and whether you could qualify for both.
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two different federal programs that may provide benefits to people with disabilities. The main difference is that SSDI is generally based on your work history, while SSI is based on financial need.
What Is SSDI?
Social Security Disability Insurance (SSDI) is generally available to people who have worked and paid Social Security taxes for a sufficient period of time.
If you qualify for SSDI, the amount of your monthly benefit is based on your earnings record.
To qualify for SSDI, you generally must:
- Meet Social Security’s definition of disability.
- Have enough recent work history and Social Security work credits.
For Social Security purposes, your medical condition generally must prevent you from engaging in substantial gainful activity and be expected to last at least 12 months or result in death.
What Is SSI?
Supplemental Security Income (SSI) is a needs-based program for people with limited income and resources. Unlike SSDI, SSI does not require a certain work history.
This means that you may be able to qualify for SSI even if you have never worked or have not earned enough work credits to qualify for SSDI.
To qualify for SSI based on disability, you generally must:
- Meet Social Security’s definition of disability.
- Have income and resources within Social Security’s limits.
What Is the Main Difference Between SSDI and SSI?
The biggest difference between SSDI and SSI is how you qualify for each program.
SSDI is based on work history. You generally must have earned enough work credits by working and paying Social Security taxes.
SSI is based on financial need. You do not need a certain work history, but your income and resources must fall within Social Security’s limits.
Both programs require applicants seeking benefits based on disability to meet Social Security’s medical requirements.
Can You Qualify for Both SSDI and SSI?
Yes. Some people may qualify for both SSDI and SSI if they meet the eligibility requirements for both programs.
If you are unsure whether you may qualify for SSDI, SSI, or both, Margolius, Margolius & Associates can help you understand your options. Contact our office today for a free case evaluation.
