How the SSDI and SSI Programs Support the Disabled
The Social Security Administration manages two programs that have been established to help individuals with disabilities. Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are separate programs that operate under distinct rules, serve different populations and have separate eligibility requirements.
Understanding the Difference Between SSDI and SSI
SSDI supports individuals with qualifying disabilities who have earned enough work credits through payroll taxes. Because it functions like an insurance program, SSDI eligibility is based on work history—not on an individual’s financial assets or resources.
SSI is a needs-based program for people who are disabled, blind or over the age of 65 with limited income and resources. Unlike SSDI, it does not rely on work history, but instead provides a financial safety net for those with minimal assets.
How Do Benefits Work with Medicare Coverage?
SSDI payments are based on an individual’s past earnings. Recipients may qualify for Medicare after two years of receiving SSDI benefits. Separately, SSI offers a federally set benefit amount that can be adjusted based on income or living arrangements. Most recipients of SSI benefits automatically receive Medicaid coverage but not Medicare.
Some individuals may qualify for both SSDI and SSI—known as concurrent benefits—when their SSDI payment is low but they also meet SSI’s financial requirements. In either case, the application process for benefits can be complex and requires detailed documentation of your medical condition, financial background and work history.
Getting the Help You Need
An experienced attorney can help you understand the difference between SSDI and SSI benefits to select the program that best fits your situation. At Black & Jones, we’ve spent decades navigating these programs for our clients to help them secure the benefits they deserve. Contact us today at (815) 967-9000 or fill out our online form to schedule a free consultation.