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IS SSI THE SAME AS SOCIAL SECURITY DISABILITY?

 SSI and SSDI are different programs, however, both are administered through the US Social Security Administration.  Thus, they are often confused.

SSDI (Social Security Disability Insurance)

SSDI is based on earnings and having payroll taxes deducted from those earnings.  Persons who have earned sufficient work credits may apply for SSDI if they become unable to work due to a medical condition that has lasted or is expected to last 12 straight months or more--or is expected to end in death. A qualifying claimant may get SSDI benefits even if they have wealth or high family income. Persons who have never worked, or who have not recently worked, may not be able to get SSDI even if they are severely disabled.

SSI (Supplemental Security Income)

  • Is based on financial need + disability or advanced age--not on earnings.
  • Requires no work history and no payroll tax withholding.
  • Requires that an individual be disabled or elderly (65 or above).
  • Is for individuals with very restricted incomes and financial resources.

The maximum benefit for SSDI can be  up to $3,358 per month.  But the federal maximum benefit for SSI for 2022 is $841 per month but may be less, depending on household income, property, living arrangements and other factors. In short, the less need a person has, the lower the benefit will be.

The medical disability requirement is basically the same for both SSDI and SSI.  However, the financial restrictions of SSI do not apply to SSDI applicants.

   

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