Disability Benefits: SSDI vs SSI Explained
Two main federal programs provide cash benefits to people with disabilities: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Understanding the differences helps you know which program to apply for.
SSDI (Social Security Disability Insurance)
- For workers who paid Social Security taxes and have enough work credits
- Benefit amount based on your lifetime earnings
- No income or asset limits
- Medicare eligibility after 24 months of benefits
- Family members may also receive benefits
SSI (Supplemental Security Income)
- For disabled, blind, or elderly people with limited income and assets
- No work history required
- Federal benefit rate is $967/month in 2025
- Must have less than $2,000 in assets
- Immediate Medicaid eligibility in most states
Can You Get Both?
Yes, if your SSDI payment is low and you meet SSI financial requirements, you may receive both. When you apply for one, Social Security considers both programs automatically.
