What Is the Difference Between SSI and SSDI?

The difference between SSDI (Social Security Disability Insurance) and SSI (Supplemental Security Income) lies in the criteria for eligibility. SSI qualification is determined based on age or disability, along with limited income and resources, whereas SSDI qualification is determined based on disability and work credits.

Moreover, in many states, individuals who receive SSI benefits will be eligible to Medicaid, while individuals who receive SSDI benefits will qualify for Medicare only after 24 months of receiving disability payments. To understand both better, the Social Security Administration pays disability benefits under two different programs:

What Is Social Security Disability Insurance (SSDI)?

Social Security Disability Insurance is the program most people think of when they hear “disability benefits.” It is commonly known by the initials SSDI, or just SSD, or even DIB (for Disability Income Benefits).

This program is for insured workers, their disabled surviving spouses, and children. In order to qualify, or to be considered “insured,” you must have worked five of the past ten years before you became disabled. You must either be permanently disabled or have a disability expected to keep you from working for twelve months or more.

What Is Supplemental Security Income (SSI)?

Supplemental Security Income (SSI) is a program for people with little or no income and resources. The disability requirements are the same as SSDI, but SSI is an entitlement program and is available for people who have NOT worked the required number of years.

Contact Our Dallas SSD/SSI Lawyers

If you have questions about either of these disability programs, please contact the SSD attorneys at Kraft & Associates, P.C., and we will be glad to help you.