SSDI vs. SSI: What’s the Difference?

Understanding the key differences between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) can help you determine which benefits you may qualify for.

SSDI (Social Security Disability Insurance)

• Work-Based Eligibility: Requires a history of employment where you paid Social Security taxes.
• Work Credits: You must have earned enough work credits based on your age and work history.
• Benefit Amount: Monthly payments are based on your past earnings.
• Medicare Eligibility: Eligible for Medicare after receiving SSDI benefits for two years.
• No Income Limits: Your income outside of work (such as assets or a spouse’s income) generally does not impact eligibility.

SSI (Supplemental Security Income)

• Needs-Based Program: Designed for individuals with low income and limited resources, regardless of work history.
• No Work Requirement: You do not need prior work experience or work credits to qualify.
• Benefit Amount: Monthly payments are based on federal and state income limits.
• Medicaid Eligibility: Most SSI recipients qualify for Medicaid immediately.
  Strict Income & Asset Limits: Eligibility depends on financial need, meaning your income, savings, and property are considered.

Both programs provide essential support for those unable to work due to a disability, but the qualifications and benefits vary. If you need help determining which program is right for you or have been denied benefits, Shook & Stone is here to fight for you. Call today for a free consultation and get the benefits you deserve!

SSDI vs. SSI:
What’s the Difference?