Losing the ability to work due to a disability can disrupt your financial stability and impact your family’s well-being. Whether caused by a physical or mental condition, such an event can occur at any stage of life. Fortunately, two federal programs, Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), may be able to help. While both programs aim to provide financial relief, they differ in their eligibility requirements and benefits. To help you better understand your options, the Los Angeles attorneys at Schomer Estate & Wealth Advisors explain the similarities and differences between SSI and SSDI.
How Are SSI and SSDI Similar?
SSI and SSDI are often misunderstood, with many people using the terms interchangeably. In reality, they are two distinct programs, though they share some common features. Both are managed and funded by the Social Security Administration (SSA), a federal agency responsible for overseeing these disability-related benefits. Another key similarity lies in their shared purpose of providing financial assistance to individuals who are unable to work due to a disabling condition and both programs require applicants to meet the same strict federal definition of “disabled.” To qualify for either SSI or SSDI, you must demonstrate the following:
- You are unable to perform the work you did previously.
- You are unable to transition to other work due to your medical condition.
- Your disability has lasted, or is expected to last, at least one year or result in death.
Although these eligibility criteria apply to both programs, the similarities largely end there. The way each program determines eligibility and calculates benefits differs significantly.
Key Differences Between SSI and SSDI
While both programs offer financial assistance to disabled individuals, the primary distinction between SSI and SSDI lies in the eligibility requirements as follows:
- SSDI Eligibility: SSDI benefits are based on your prior work history and contributions to the Social Security system. As you work, you earn “work credits” by paying Social Security taxes. In 2024, one credit was earned for every $1,730 of income, up to a maximum of four credits per year. Generally, applicants need at least 20 credits earned in the 10 years prior to their disability to qualify for SSDI, although the number of required credits varies with age. SSDI is designed for individuals who have a strong work history but are no longer able to work due to a disability. Because SSDI is tied to your earnings history, the benefit amount is typically higher than SSI. In 2024, the maximum monthly SSDI payment was $3,822, while the average was $1,538. Another key advantage of SSDI is that family members, such as your spouse or dependent children, may also qualify for benefits based on your work record.
- SSI Eligibility: In contrast, SSI is a needs-based program that does not depend on your work history. Instead, SSI focuses solely on your current income and resources. To qualify, your income and assets must fall below certain limits. In 2024, the income limit was $1,971 and the resource limit was $2,000 for an individual. Unlike SSDI, SSI benefits are not extended to family members; however, SSI recipients may automatically qualify for additional assistance programs, such as Medicaid and SNAP (food assistance). The monthly benefit amount for SSI is also generally lower than SSDI. In 2024, the maximum monthly SSI benefit was $943 for individuals, with an average payment of $698.
Can You Qualify for Both SSI and SSDI?
Yes, it is possible to qualify for both SSI and SSDI under certain circumstances. This situation, known as receiving concurrent benefits, can occur when your SSDI benefit is relatively low, leaving you below the income thresholds for SSI eligibility. If you qualify for both programs, SSI can supplement your SSDI payment, ensuring you have sufficient income to meet your basic needs.
Why Are Applications Denied?
Although both programs can provide crucial financial support, navigating the application process can be challenging. Statistics show that nearly 70 percent of initial applications for SSI and SSDI are denied. Denials are often due to incomplete or inaccurate applications or a failure to provide adequate medical evidence of disability.
Submitting a successful application requires careful attention to detail and thorough documentation of your medical condition and financial status. Consulting with an experienced elder law attorney can significantly increase your chances of approval. An attorney can guide you through the process, help you avoid common mistakes, and ensure your application meets all necessary requirements.
Do You Have Additional Questions about SSI or SSDI?
For more information, please join us for an upcoming FREE seminar. If you have additional questions about your eligibility for SSI or SSDI, contact the experienced Los Angeles elder law attorneys at Schomer Estate & Wealth Advisors by calling (310) 337-7696 to schedule an appointment.
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