People often confuse SSI and SSDI. The names sound alike. Both give money to people who cannot work. But the two programs are not the same. They have different rules, goals, and requirements.
SSI stands for Supplemental Security Income. SSDI stands for Social Security Disability Insurance. Both come from the U.S. government. They help people who face hardship due to a disability. Still, how you qualify and what you receive depends on which program you use.
Many people ask, “Do I get both? Which one fits me?” This guide answers those questions. It explains who gets SSI, who gets SSDI, and what each program offers.
Knowing the difference helps you apply the right way. It also helps you get the support you need without delay or mistakes.
What Is SSI?
SSI gives money to people with low income and few assets. You do not need work history to apply. You just need to meet the rules set by the Social Security Administration.
SSI helps older adults, blind people, and those with disabilities. You must also live in the U.S. or meet special rules if outside the country. Children and adults may both qualify.
To get SSI, you must have very little money or property. In 2025, the income limit is close to $1,900 per month for a couple. The asset limit is $2,000 for a person or $3,000 for a couple. The SSA checks your bank accounts, property, and other resources.
SSI usually includes automatic access to Medicaid. This helps cover doctor visits, medicine, and hospital care.
What Is SSDI?
SSDI is for people who worked and paid into Social Security. You earn work credits each year. Most adults need 40 credits. You can get four credits per year. Younger people may need fewer.
You must also have a medical condition that stops you from working full-time. The condition must last at least one year or lead to death.
Unlike SSI, SSDI does not check how much money you have. You can have savings and still get SSDI. What matters most is your work record and your medical status.
People who receive SSDI get Medicare after two years. This covers health care needs like hospital stays and doctor visits. Some people get both SSDI and private insurance too.
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Main Differences Between SSI and SSDI
Here are the biggest differences between these two programs:
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Work History
SSI does not need work history. SSDI does. You must earn enough credits to qualify for SSDI. -
Income and Assets
SSI has strict limits on income and assets. SSDI does not check how much money you have saved. -
Health Insurance
SSI comes with Medicaid in most states. SSDI gives you Medicare, but you must wait two years to use it. -
Monthly Payment
SSI pays a fixed amount. In 2025, the max is around $943 for one person. SSDI depends on how much you paid into the system. Some people get over $1,300 each month. -
Age and Disability
SSI is open to disabled children and people over 65. SSDI is for workers under full retirement age who cannot work due to health.
Can You Get Both SSI and SSDI?
Yes, some people can receive both. This is called “concurrent benefits.” You must meet both sets of rules.
Let’s say you worked enough to get SSDI, but your payment is low. If your income and assets fall under SSI limits, you may qualify for both. The SSI payment may fill the gap and bring your income to the basic level set by law.
You must apply for both and meet all the conditions. The SSA reviews each case one by one.
Who Should Apply for SSI?
Apply for SSI if you have little or no work history. You may be disabled, blind, or over 65. You must also meet the income and asset limits.
This program works best for people who never worked much or never paid into Social Security. Many children with serious health issues also get SSI if their family has low income.
Who Should Apply for SSDI?
Apply for SSDI if you worked in the past and paid into Social Security. If you now have a health issue that stops you from working full-time, this is the right program.
It helps those who built a work record but can no longer earn a steady income. People with strong work history often get higher payments under SSDI than SSI.
What If You Get Denied?
Both programs can deny claims. The SSA may say your medical issue is not enough. Or you may not meet income rules.
You have the right to appeal. This means you ask them to review the decision. You must file the appeal within 60 days. The process includes steps like reconsideration, hearing, and review.
Many people win their case during appeal. A lawyer can help you present your case in a strong way.
Conclusion
SSI and SSDI help people in need, but they follow different rules. SSI is for people with little income and no work record. SSDI is for people who worked and paid into the system.
Knowing which one fits your situation saves time and stress. It helps you get the benefits you deserve. Some people may even get both.
If you face a disability or cannot work, learn your options. Apply with care. Keep records. And ask questions when unsure. The more you understand, the better your chances of getting approved.
If your claim gets denied and you want to take legal action, a civil litigator near you can help you fight for your rights in court.
FAQs About SSI and SSDI
What is the real difference between SSI and SSDI?
SSI gives support to people with low income and no work record. SSDI helps people who worked and now cannot work due to a health issue.
Can someone get both SSI and SSDI?
Yes, in some cases. If SSDI pays a small amount and your income is still low, you may qualify for both. This is called concurrent benefits.
Which program pays more?
SSDI usually pays more. It depends on how much you earned in the past. SSI pays a set amount, which is often lower.
Do both programs include health care?
SSI comes with Medicaid in most states. SSDI includes Medicare, but only after two years.
Does SSI need any work history?
No. You do not need any work credits. You just need to meet the limits on income and assets.
What if my claim gets denied?
You can ask for an appeal. You must do this within 60 days. Many people win their case later, often with legal help.
This article is for general information only. It does not give legal or financial advice. Always speak with a licensed professional about your specific case.