What is the difference between SSDI and SSI?

When it comes to governmental benefits, Social Security disability insurance (SSDI) and Supplemental Security Income (SSI) helps disabled people who are unable to earn a satisfactory living as a result. These benefits ensure access to essential financial resources, as well as access to medical care.

Because they share many common traits, it is important to understand their differences and similarities when looking for financial support. Here are a few key points to keep in mind.

Social Security Disability Insurance (SSDI)

As a person works over the course of their life, they pay into a trust fund managed by Social Security. In the event a person becomes blind or disabled, these funds are available to help cover basic living expenses when the person is no longer able to work. The amount of financial support received depends on the person’s income over their work history. You can also receive support based on another person’s work history, such as parents or spouses.

Supplemental Security Income (SSI)

Unlike SSDI, SSI is not based on a person’s work history. Instead, this program provides financial support to people who are elderly, blind, or disabled and faced with economic hardship. Federal tax revenues fund this program, and a person may receive state benefits along with federal ones.

Eligibility criteria

A person can receive both SSDI and SSI, provided they meet the relevant criteria. With SSDI, the person must meet the definition of disability and must have worked a certain number of years to make the proper amount of contributions to the trust fund. As for SSI, the person must meet the definition of disability and must show that their financial resources are not sufficient.

Whether applying for SSDI, SSI, or both, you should have the right knowledge. When you are well-informed, you will have a greater chance of understanding these benefits and whether you are eligible to receive them.

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