SSDI vs. SSI: What’s the Difference?

Understanding the Two Most Common Disability Benefit Programs

When applying for disability benefits, many people come across two confusing terms: SSDI and SSI. While they might sound alike, these are two very different programs — and knowing the difference can help you apply for the one that fits your situation.

What is SSDI?

Social Security Disability Insurance (SSDI) is designed for people who have worked and paid into Social Security through taxes. If you’ve built up enough “work credits,” you may qualify.

Key Features of SSDI:

• Based on your work history

• Requires a certain number of work credits

• Pays monthly benefits

• You may also qualify for Medicare after 2 years

What is SSI?

Supplemental Security Income (SSI) helps individuals with little or no income or resources. It’s meant for people who haven’t worked enough to qualify for SSDI or are elderly with limited income.

Key Features of SSI:

• Based on financial need

• No work history required

• Pays monthly benefits

• You may also qualify for Medicaid immediately

Which One Do I Qualify For?

You could qualify for:

• Only SSDI – if you have a work history and paid into Social Security

• Only SSI – if you have limited income and no work history

• Both – in some cases, people can receive both SSDI and SSI

Still unsure? That’s okay — this is where we can help guide you.

The Application Process

Both programs are run by the Social Security Administration (SSA), but:

• SSDI requires proof of disability and a qualifying work history

• SSI requires proof of disability and proof of low income/resources

Get Help Applying the Right Way

At Burns Disability Advocacy, we help individuals determine which benefit they qualify for, guide them through the application process, and help with appeals if needed.

The difference between SSDI and SSI is more than just letters — it’s about getting the right support based on your life situation.