Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) are both federal programs to provide financial assistance to people with disabilities, but are often confused due to their differences in qualifications and benefits.
Both programs are administered by the Social Security Administration (SSA).
Supplemental Security Income (SSI):
SSI offers financial support to individuals who are 65 or older, blind, or disabled and have limited income and resources. Unlike SSDI, SSI does not require a work history. Its primary purpose is to help eligible individuals meet basic needs like food, clothing, and shelter. Generally, if you qualify for SSI, you will also qualify for Medicaid, providing access to essential healthcare services.
Social Security Disability Insurance (SSDI):
SSDI provides financial assistance to individuals who are unable to work due to a disability. To qualify, applicants must have a sufficient work history and have paid into the Social Security system through payroll taxes. After receiving SSDI benefits for 24 months, recipients generally become eligible for Medicare, which offers healthcare coverage.
Application Process:
Applying for either SSI or SSDI requires submitting an application and supporting documentation through the SSA. This documentation includes medical evidence of your disability from a qualified healthcare professional. The decision-making process can take several months, so it’s important to apply as soon as possible. Applications can be submitted online, in person, or by phone. Resources are available to assist with the application process, ensuring you have the necessary information and support.
Understanding the distinctions between SSI and SSDI can help you determine which program might be right for you or your loved one, and what steps are needed to apply.