SSI V/S SSDI: Difference, Eligibility Criteria, and How To Apply?

The fundamental difference between SSI and SSDI is that the determination of SSI is done based on age, disability, and limited income and resources, whereas the determination of SSDI benefits is done based on disability and work credits. 

If you are struggling with disability and do not know how to apply for the benefits, you may seek help from an experienced Social Security Disability Lawyer as soon as possible. They help you understand which benefits to apply for, whether you are the right candidate and other essential details. 

What Is Supplemental Security Income (SSI)?

Supplemental Security Income (SSI) provides minimum financial assistance to disabled and older adults with limited income and resources.

What Is Social Security Disability Insurance (SSDI)?

Social Security Disability Insurance (SSDI) provides disabled individuals financial help if they have a qualifying work history through the employment of a family member such as a parent or spouse or their employment. 

Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) are two programs of the Social Security Administration (SSA) that provide financial assistance to seniors and disabled people.

Eligibility Criteria of SSI

To qualify for SSI, applicants must meet certain criteria, including being disabled, blind, or aged 65 and older, having limited income below the SSI income limits, and having limited resources below the SSI resource limits. The SSA considers various factors, including income from work, other sources of income, and living arrangements, when determining eligibility for SSI benefits.

If approved for SSI, individuals will receive monthly cash benefits to help cover basic living expenses, including food, clothing, and shelter. In some cases, SSI recipients may also qualify for additional benefits, such as Medicaid healthcare coverage.

Eligibility Criteria of SSDI

To be eligible for SSDI benefits, applicants must meet certain criteria. They must have a qualifying disability that meets the SSA’s definition of disability, which includes having a condition that prevents them from engaging in substantial gainful activity (SGA) and is expected to last for at least 12 months or result in death. Additionally, applicants must have earned sufficient work credits based on their age and work history.

If approved for SSDI, individuals will receive monthly cash benefits to help replace lost income due to their disability. After a waiting period, they may also qualify for other benefits, such as Medicare coverage.

SSDI and SSI Amount Benefits in 2024

In 2023, the amount received in SSI is $943 for an individual and $1,415 for a couple per month. The maximum benefit received in the SSDI program 2024 amounts to $3,822 per month. The payments are scheduled based on the individual’s birth date. 

SSI vs. SSDI: Which is right for you?

When determining whether SSI (Supplemental Security Income) or SSDI (Social Security Disability Insurance) is right for you, there are a few key factors to consider such as:

• Financial Considerations: SSI benefits are based on financial need, so SSI may be more appropriate if you have limited income and resources. SSDI benefits, on the other hand, are based on your work history and earnings, so if you have a strong work history and have paid into Social Security, you may be eligible for SSDI.
• Benefit Amounts: SSI benefits are set at a federal maximum monthly payment, which can vary each year. The actual benefit amount may be reduced based on other income or assistance. SSDI benefits are based on your average lifetime earnings and can vary from person to person.
• Medical Eligibility: SSI and SSDI require medical evidence to support your disability claim. However, the disability criteria may differ slightly between the two programs.   

Some individuals may be eligible for both SSI and SSDI and receive a combination of benefits. However, others may not. 

Need Legal Help? Contact a disability lawyer today

If your SSI or SSDI benefits are denied, it can be a frustrating and disheartening experience. However, it’s important to remember that a denial does not necessarily mean the end of your claim. Understand the reasons for the denial and look for any issues that must be addressed. 

This will help you determine the best course of action moving forward. File an appeal within the designated time frame. The denial notice will provide instructions on how to initiate the appeal process. A Social Security Disability Attorney may guide you through the appeals process, help gather necessary evidence, and present a strong case on your behalf.

FAQs on SSDI and SSI Benefits

1. Can I receive both SSI and SSDI?

The short answer is yes. If you have limited income and a work history, you may receive both SSDI and SSI at the same time.

2. How do I apply for SSI or SSDI?

One of the main requirements for applying for the SSI online is that you must be an adult with a disability. SSI applications are unavailable for children less than 18 years old and for non-disabled seniors who are more than 65 years old. They can call 1-800-772-1213 (TTY 1-800-325-0778) between 7 a.m. – 7 p.m., Monday through Friday, or visit a local Social Security office. Applicants who want to apply for SSDI online can apply at any age through online mediums.

3. How long does it take for my SSI or SSDI application to be processed?

The average time period is between 3 to 5 months from the date of application. However, the time may vary based on several factors, such as disabilities falling under Social Security’s Compassionate Allowances (CAL) classification, which may require time to review the applications.