SSDI & SSI Benefits
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide financial assistance to eligible individuals. Both programs are administered by the Social Security Administration (SSA), but their work-history and financial requirements differ.
Understanding these differences can help you explore your options when a medical condition affects your ability to work.
What Is SSDI?
SSDI provides monthly benefits to eligible people who meet Social Security’s definition of disability and have worked long enough and recently enough in jobs covered by Social Security.
The work credits required depend on your age when your disability begins. Your benefit amount generally depends on your covered earnings history. Unlike SSI, SSDI does not have a general limit on savings or other resources.
What Is SSI?
SSI provides monthly payments to eligible people with limited income and resources who are disabled, blind, or age 65 or older. Children with qualifying disabilities may also be eligible.
SSI does not require a prior work history. SSA reviews countable income, resources, and other eligibility requirements when deciding whether you qualify and calculating your payment.
How Does SSA Evaluate Disability?
For adult disability claims, SSDI and SSI generally use the same medical standard. Your condition must prevent substantial gainful activity and have lasted, or be expected to last, at least 12 consecutive months or result in death.
SSA considers medical evidence, your limitations, and—when applicable—your ability to perform past work or adjust to other work. A diagnosis alone does not automatically establish eligibility.
Can You Receive Both SSDI and SSI?
Some people qualify for both programs at the same time. This is called receiving concurrent benefits.
For example, someone with a low SSDI payment may also qualify for SSI if they meet its financial and other requirements. SSDI payments generally count as income when SSA determines SSI eligibility and payment amounts.
Information to Gather Before Applying
Preparing accurate information can help SSA evaluate your claim. Useful details include:
- Your medical conditions, treatment providers, and treatment dates.
- Medications, test results, and related side effects.
- Your work history and previous job responsibilities.
- How your conditions affect daily activities and work tasks.
- Income and resource information for an SSI application.
If Your Application Is Denied
A denial does not necessarily end the process. Your decision notice explains the reason and how to request an appeal. Review it promptly and follow the stated deadline.
Explore Your Disability Benefit Options
Disability Attorneys of Atlanta provides general information about SSDI, SSI, applications, appeals, and hearings. You can request contact from an independent attorney who may be able to review your situation and explain your options.
