Both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) are programs administered by the Social Security Administration (SSA) that provide benefits to individuals with disabilities. However, they have distinct differences in eligibility requirements, funding, and benefit amounts.

What is SSI?

SSI is a needs-based program that provides financial assistance to individuals who are:

• Age 65 or older
• Blind
• Disabled

To qualify, individuals must also have limited income and resources. SSI is funded by general tax revenues.

What is SSDI?

SSDI, on the other hand, provides benefits to individuals who have worked and paid Social Security taxes for a certain amount of time. These individuals must also have a qualifying disability that prevents them from working. SSDI is funded by Social Security taxes paid by workers and employers.

Key Differences

Here’s a breakdown of the main differences between SSI and SSDI:

• Eligibility: SSI eligibility is based on financial need (limited income and resources), age (65 or older), blindness, or disability. SSDI eligibility is based on work history and disability.
• Funding: SSI is funded by general tax revenues. SSDI is funded by Social Security taxes.
• Income and Resources: SSI has strict limits on how much income and resources an individual can have. SSDI does not have these limitations.
• Work History: SSI does not require a work history. SSDI requires a qualifying work history.
• Healthcare Coverage: SSI recipients typically qualify for Medicaid. SSDI recipients typically qualify for Medicare after a 24-month waiting period.

Can You Receive Both?

In some cases, individuals may be eligible to receive both SSI and SSDI benefits. This is known as concurrent entitlement.

Which Program is Right for You?

The program that is right for you depends on your individual circumstances. If you have a limited income and resources, you may qualify for SSI. If you have a qualifying work history, you may qualify for SSDI.

It’s important to contact the Social Security Administration to determine your eligibility for either or both programs.