SSDI vs SSI Application

What is the difference between SSDI and SSI Application?

Many people don’t know the difference between SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance), but they are two completely different governmental programs with very different sets of requirements.

Put simply SSD is available to workers who have accumulated a sufficient number of work credits. SSI disability benefits are available to low-income individuals who have either never worked or who haven’t earned enough work credits to qualify for SSD – or whose SSD benefit is very low..

While both are managed by the Social Security Administration, and medical eligibility is determined in the same way (are you disabled under the Social Security rules), there are distinct differences between the two.

What is SSI?

Supplemental Security Income is strictly needs-based and is based on the claimants’ income and assets. It’s also funded by general fund taxes rather from the Social Security trust fund. Essentially it’s a “means-tested program,” meaning it has nothing to do with work history, but more to do with financial need.

To meet the SSI income requirements, you must have less than $2,000 in assets ($3,000 for a couple) and your income must be limited. Most people who qualify for SSI will also qualify for food stamps and Medical Assistance/Medicaid.

The amount an eligible person receives is partially dependent on where they live.  It also depends on your monthly income, including in some cases the income of another person in your household (such as a spouse)..

What is SSDI?

Social Security Disability Insurance (SSDI) allows workers who become disabled to receive the equivalent of their Social Security retirement benefits early. In order for you to apply for SSDI, you need to have enough work credits based on taxable employment to be covered for Social Security purposes.

Unlike SSI, because SSDI is based on FICA (Federal Insurance Contributions Act) taxes, you have paid throughout your working career, how much money you have or do not have is not taken into account.

The amount of your benefit will be determined by SSA and is dependent upon how much you and your employer(s) have paid into FICA.

Success Stories

Claimant Awarded More Than $59,000

Donald applied for Social Security and was denied. Our... Read More [+]

Social Security Benefits and Back Pay

Laura (name changed) was injured at work and contacted... Read More [+]

Social Security Benefit & Back Pay Totaling More Then $70,000

Chris helped Kayla (name is changed) get Social Security... Read More [+]


Hear From Our Clients

Liberty Hombe
Liberty Hombe
2022-01-20
I would give a 10 star if it was possible .Chris is very Professional, he responses within minutes and most importantly he is very good at what he does . l highly recommended him .Thank you CHRIS
Charles Olson
Charles Olson
2022-01-14
Very professional
Brad Mccomas
Brad Mccomas
2021-12-30
Very thorough with my case
Stacey Beil
Stacey Beil
2021-12-09
Ruth Harvey & her staff were very helpful & worked hard on getting my disability application approved. They were friendly, professional, responsive to my emails. I would recommend them to anyone needing assistance with getting approved for Social Security Disability.
Matthew Bernstein
Matthew Bernstein
2021-10-22
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Jade Anderson
Jade Anderson
2021-10-21
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laurie leiferman
laurie leiferman
2021-09-03
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Tyler Kyte
Tyler Kyte
2021-08-15
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