Is Social Security Disability Insurance right for you? Understanding this vital program
When applying for disability benefits, often people come across two terms: SSDI and SSI. While they might sound alike, these are two distinct programs, and knowing the difference can help you apply for the one that best fits your situation.
A brief look at SSDI
Social Security Disability Insurance is a federal insurance program designed to provide monthly cash and Medicare benefits to people who are no longer able to work due to a long-term disability or chronic illness. Disability benefits may also be awarded to family members when certain qualifications are met.
This important program is managed by the Social Security Administration and is funded through Social Security payroll taxes paid by employees and employers during their careers.
To be eligible for SSDI benefits, you need to meet these requirements:
Have a medical condition that meets Social Security’s definition of a disability.
Worked in jobs covered by Social Security and earned approximately 40 work credits – 20 in the last 10 years ending with the year your disability begins. (Younger applicants may need fewer work credits to be eligible.)
By the end of 2025, approximately 7.1 million people were receiving SSDI benefits. The average monthly benefit in 2026 is about $1,642 and is expected to increase to $1,701 in 2027 with the recent 3.6% cost of living increase.
A glance at SSI
Supplemental Security Income helps individuals with little or no income or resources, or for those who have a disability, are blind, or are age 65 and older. Funded by general tax revenue rather than payroll taxes, SSI does not require any work history and is based on financial need. Medicaid benefits are also provided if people meet Social Security’s requirements.
At the end of 2025, about 7.4 million people were receiving SSI benefits. In 2026, the maximum monthly SSI payment is $994 for an individual and $1,491 for a couple.
If you think you may be eligible for either or both programs, let us guide you. We’ll help you determine which program is best for you and how to begin the application process.
Do you qualify for SSDI? Find out with our free evaluation.
Know someone who needs our help? Refer them to Burns Disability Advocacy.
For more information about SSDI or to learn if you or someone you know is eligible, contact us or call (833) 284-0200.
