EspañolA common point of confusion in the disability world is the difference between SSI and SSDI. Many believe they are the same program. Attorney Josh Worley clarifies that this is a myth—they are distinct programs with different eligibility rules. SSDI (Social Security Disability Insurance) is an insurance program for workers who have paid into Social Security through payroll taxes. Eligibility depends on having earned enough recent "work credits." The benefit amount is based on your past earnings, with averages around $1,500-$1,600 per month.
SSI (Supplemental Security Income), on the other hand, is a needs-based welfare program. It does not require any work history or credits. Instead, eligibility is based on financial need, with strict limits on income and assets (like cash or property). The maximum federal SSI benefit is around $1,000 per month. While the medical standard for proving disability is identical for both programs, the financial qualifications are completely different. SSI exists as a crucial safety net for disabled individuals with little to no work history or financial resources.
Myth Verdict
Busted. SSI and SSDI are not the same. SSDI is an insurance benefit based on your work history and taxes paid. SSI is a needs-based welfare benefit for disabled individuals with very limited income and assets, requiring no prior work.
Key Insights
- SSDI = Work-Based Insurance: Requires recent work credits and past payroll tax contributions. Benefit amounts are tied to your earnings record.
- SSI = Needs-Based Assistance: Requires no work history but has strict financial limits on income and assets (e.g., cash, property).
- Same Medical Standard: The definition of "disability" and the process for proving it are identical for both programs.
- Different Benefit Amounts: SSDI benefits are typically higher; SSI provides a smaller, essential safety net (max ~$1,000/month).
- SSI is Month-to-Month: Benefits can fluctuate or stop based on changes in your income or assets, which must be reported monthly.
