A lot of people get these two mixed up—Social Security (SS) and SSI are both federal programs, but they work very differently.
Social Security Disability Insurance (SSDI) is based on your work history.
- You qualify if you’ve worked and paid Social Security taxes (FICA)
- Eligibility is based on your work credits
- Payments are based on your past earnings
- You get Medicare after a waiting period (usually 24 months after approval)
- Family members may also qualify for benefits in some cases
👉 Think of it as: “I worked and paid into the system.”
Supplemental Security Income (SSI)
SSI is need-based assistance for people with limited income and resources.
- No work history required
- Designed for people who are disabled, blind, or age 65+
- Must meet strict income and asset limits
- Typically comes with Medicaid automatically (varies by state)
- Payment amounts are usually lower and set by federal/state rules
👉 Think of it as: “I need financial help and have limited resources.”
Key Differences
| Feature | SSDI (Social Security Disability) | SSI (Supplemental Security Income) |
|---|---|---|
| Based on work history | Yes | No |
| Income/resource limits | No (for eligibility) | Yes |
| Health insurance | Medicare | Medicaid |
| Funding source | Payroll taxes you paid | General tax revenue |
| Benefit amount | Based on earnings record | Fixed, needs-based |
Simple way to remember
- SSDI = You earned it through work
- SSI = You qualify based on financial need
- Let us help :
The Law Offices of Mario S Crisafulli