The Social Security Administration offers two programs to individuals who become disabled and cannot work. Figuring out the difference between these two programs can often be confusing. Here are some basic similarities. 

The federal government funds both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) to provide financial support for individuals who have been disabled for 12 months or more. 

In both programs, you are required to prove that you cannot work due to a physical or mental condition. For both programs, you must also show that your condition is expected to last for at least 12 months or result in death.

Different Eligibility Requirements and Non-Medical Proof

The primary difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) is the non-medical proof required to qualify. While both programs provide financial assistance to individuals with disabilities, they have different eligibility requirements.

What Is SSDI?

SSDI is a federal insurance program funded by payroll taxes. This means that if you work and pay Social Security taxes, you contribute to the SSDI program.

Eligibility

To qualify for SSDI, you must have (1) worked for 5 of the past 10 years before the onset of disability (less time for younger applicants) and (2) a medical condition that meets the Social Security Administration (SSA) definition of disability.

SSDI Benefits:

The amount you receive depends on your past earnings—the higher your earnings, the greater your benefit. After receiving SSDI for 24 months, you automatically qualify for Medicare.

What Is SSI?

SSI is a needs-based program the Social Security Administration (SSA) administers. It is designed for individuals with disabilities with limited income and resources, regardless of their work history.

Eligibility for SSI

You must meet SSA’s disability criteria or be age 65 or older. Although work history does not impact eligibility, you must meet strict financial limits on income and assets.

SSI Benefits

The federal benefit rate is a fixed amount, but some states provide additional supplemental payments. If you qualify for SSI, you may also be eligible for Medicaid and other assistance programs.

Can You Qualify for Both SSDI and SSI?

Yes, in some cases, you can receive benefits under both SSDI and SSI. This usually happens when:

  • Your SSDI benefit amount is low due to limited past earnings.
  • You meet SSI’s financial eligibility requirements and qualify for SSDI.

Because SSDI and SSI have different eligibility rules, applying for both programs when filing your initial claim is often advisable to ensure you receive the maximum benefits.

How an Attorney Can Help

Navigating the Social Security disability system can be complex and overwhelming. A Social Security Disability attorney can:

  • Determine which program(s) you qualify for
  • Gather and present strong medical and financial evidence
  • Help with the initial application to improve your chances of approval
  • File an appeal if your claim is denied
  • Represent you in hearings and negotiations with the SSA

For assistance with your SSDI or SSI claim, contact a qualified and experienced Social Security Disability attorney. Consulting with an attorney early in the process can improve your chances of securing benefits.