SSDI vs. SSI

SSDI stands for Social Security Disability Insurance. To qualify for this program, you generally must have worked at least 5 out of the last 10 years. The monthly amount you will receive depends on the amount you earned while working (and the amount you paid in taxes). However, exceptions do apply.

SSI stands for Supplemental Security Income. This program is need-based. In order to qualify, you must have less than $2,000 in resources. The Social Security Administration describes as resource as “money as well as something you own that can turn into cash.” Examples of resources that would count toward the $2,000 limit are real property, vehicles, cash in your possession or in a bank account, stocks, and bonds. The following do not count as resources: the home you live in, your primary vehicle, household goods and personal effects.

You can be approved for both SSI and SSDI if you have enough work credits to qualify for SSDI but not enough resources to be excluded from SSI; however, it is important to note that even if you are approved for disability benefits and you qualify for both SSI and SSDI, you would not receive both benefits at the same time. Rather, you would receive whichever amount is higher.

How Do I Apply?

If you believe you qualify to receive Social Security disability benefits (SSI or SSDI), it is recommended that you seek the help of a Social Security disability representative or attorney.

A professional disability representative will be able to assist you in every step of the application process and use advanced knowledge and experience to ensure you receive the benefits (including health insurance and monthly payments) you are entitled to.

Many disability representatives do not charge a fee unless you are approved for benefits. This means if you are not approved, their services are free.

Enter your phone number below to have a "No Fee Until You Win" Disability Expert contact you today.