SSD V. SSI

You may have heard of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both programs provide financial assistance to people with disabilities; they differ in purpose, eligibility, and funding.

Social Security Disability Insurance (SSDI) is based on your work history. You qualify if you have worked long enough and paid into Social Security taxes, and you have a medical condition that meets the Social Security Administration’s definition of disability. SSDI pays a monthly benefit based on your previous earnings and can also provide benefits to your dependents. After a waiting period, SSDI recipients are automatically eligible for Medicare.

Supplemental Security Income (SSI), on the other hand, is a needs-based program for people with limited income and resources, including children and adults. SSI does not require a work history. It provides monthly cash assistance to help cover basic needs like food, clothing, and housing. SSI recipients may also qualify for Medicaid for healthcare coverage.

• SSDI = work-based, income-independent, tied to Social Security contributions

• SSI = need-based, limited-income program, open to anyone who meets financial and medical criteria

  
  

We can help you determine your eligibility, prepare your application, and increase your chances of approval.

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