SSI vs. SSDI
There are two different disability programs, one is Social Security Disability (SSDI) and one is Supplemental Security Income (SSI) Disability. It is important to know that there are two programs.
Same: Some rules for eligibility and receiving benefits are the same for both disability programs.
1. There must be medical (physical or mental) reasons that keep you from working.
2. You cannot be earning $980 (2009) gross per month (as an employee). There are other rules if self-employed.
Different: Some rules for eligibility and receiving benefits are different depending the disability program.
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Social Security Disability (SSDI) Under Title 2 of the Social Security Act Also called Title 2 Benefits* |
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Supplemental Security Income (SSI) Disability Under Title 16 of the Social Security Act Also called Title 16 Benefits* |
| 3. If you have worked recently and for enough time under Social Security and paid Social Security (FICA) taxes, you may be eligible for Social Security Disability.
4. Other than Rule 2, above, there are no financial rules or tests for eligibility. 5. This program is called Social Security Disability Insurance—SSDI—because your payment of FICA taxes is similar to paying into an insurance plan. FICA stands for Federal Insurance Contributions Act. 6. This program is referred to as based on your contributions as a worker. 7. You and, possibly family members, are eligible for payment because you are no longer earning income as a worker.
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3. If you have not worked and paid FICA taxes, or not worked recently or for enough time, you may instead be eligible for only SSI.
4. In addition to Rule 2, above, SSI also has financial need (income and asset) rules for eligibility. This is a “needs based” program. 5. You may be eligible for SSI even if you have never worked. 6. Disabled children’s benefits fall under SSI. 7. Sometimes a person might meet all the requirements of both programs and be eligible for both programs. 8. Sometimes a person (or child) who would otherwise be only eligible for SSI might be eligible for SSDI family benefits under the account of another person (worker). |
*Particularly by Social Security Administration staff.
All original content © 2009 Patricia A. Petow. All rights reserved, including the right of reproduction in whole or in part in any form.
