How is SSI different from SSDI?
SSI is based on financial need. SSDI is based on your work history. Some people qualify for both at once.
The short version: SSI is based on financial need, while SSDI (Social Security Disability Insurance) is based on your past work and the taxes paid on it. Some people qualify for both.
SSI
- Needs-based: income and resource limits apply
- Covers older adults, people who are blind, and people with disabilities
- No work history required
- Often connected to other help, such as health coverage, depending on your state
SSDI
- Based on work credits earned through past jobs
- Covers people with disabilities who can no longer work as before
- No resource limit in the same way
- Family members may also be eligible in some cases
Why it matters
The two programs use the same general idea of disability but different financial rules. When you apply, the agency typically looks at both, so you do not have to guess which one fits.
Start with who SSI is for or read our application walkthrough. SSI Collect is an independent guide. We are not affiliated with any government agency, and this is general information, not legal advice.