DIFFERENCE IN SSDI vs. SSI

Two different disability programs are administered by your Social Security office: One is Social Security Disability Insurance (SSDI) and the other is Supplemental Security Income (SSI).

It's easy to get these programs confused. But they are very different in eligibility, amount of benefits and ways to apply. Here's a brief outline of some differences between SSDI and SSI.

SSDI is based on your work record and paying FICA by payroll deduction.

SSI requires no work history at all and you don't "pay into it."

SSDI is not "needs based" and has no wealth or income restrictions.

SSI requires very low financial resources and low household income to qualify.

SSDI can pay a maximum benefit of $3,627 per month to an individual in 2023.

SSI, however, pays a maximum of $914 to an individual and $1,371 to a couple.

SSDI is based on Title 2 of the Social Security Act.

SSI, on the other hand, is Title 16.

SSDI has a mandatory 5-month waiting period before benefits begin.

SSI has no waiting period; benefits can start the month after approval.

SSDI provides Medicare coverage after the 29-month waiting period.

SSI comes with Medicaid, usually with no waiting period.

Both SSDI and SSI require the same medical evidence or proof of disability.

SSI can be more difficult to get because of the extra requirement of very restricted income and resources--in addition to proving disability. Changes in household income can also change eligibility for SSI.