Understanding SSI
and SSDI Benefits
The Social Security Administration (SSA) offers two key programs that provide financial support to individuals with disabilities: SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance). While both programs are designed to help those who are unable to work due to a qualifying disability, they have different eligibility requirements and funding sources.
Supplemental Security Income (SSI)
SSI is a needs-based program designed for individuals with limited income and resources, including adults and children with disabilities, as well as those over age 65. To qualify, you must:
- Meet strict income and asset limits.
- Be 18 or older so only the individuals income counts and not the parents
- Have a qualifying disability, or be blind or age 65+.
SSI benefits are funded through general tax revenues, not Social Security taxes, and recipients may also be eligible for Medicaid and other state or local support programs.
Social Security Disability Insurance (SSDI)
SSDI is available to individuals who have worked and paid Social Security taxes over a period of time. As well as to disabled individuals who can claim on a parents record that has retired or deceased. To qualify, you must:
- Have a medical condition that meets the SSA’s definition of a disability.
- Have earned enough work credits through prior employment.
- Be unable to engage in substantial gainful activity due to your disability.
Benefits are based on your work history and earnings record, and after a 24-month waiting period, you may also qualify for Medicare coverage.
