Understanding the two types of Social Security Disability benefits: SSDI vs. SSI

When a disability prevents you from working, Social Security Disability benefits can provide critical financial relief. However, the Social Security Administration (SSA) offers two distinct disability programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Understanding the differences between these programs—commonly referred to as SSDI vs. SSI—is essential for determining which benefits you may qualify for, or whether you could be eligible for both.

At Hoskins, Turco, Lloyd & Lloyd, our Social Security Disability attorneys have helped thousands of individuals navigate the complexities of SSD claims and appeals. Whether you’re applying for benefits or fighting a denial, knowing the key distinctions between SSDI vs. SSI is the first step toward securing the financial support you need.

What is Social Security Disability Insurance (SSDI)?

Social Security Disability Insurance (SSDI) is a program designed for individuals who have worked and paid into Social Security through payroll taxes but are now unable to work due to a disabling medical condition.

SSDI Eligibility Requirements:

• Work history: You must have earned enough work credits by paying Social Security taxes (FICA) through past employment. Generally, you need about 10 years of work history, but younger workers may qualify with fewer credits.

• Disabling condition: Your disability must meet SSA’s strict definition, meaning it prevents you from working for at least 12 months or is expected to result in death.

• Recent work requirement: You must have worked recently enough before becoming disabled. The exact requirement depends on your age.

• No income limits (work restrictions apply): SSDI is not based on income or resources, but you cannot engage in substantial gainful activity (SGA)—meaning you generally can’t earn more than $1620 per month for non-blind individuals and $2,700 for blind individuals (2025 limit). Learn more here.

What benefits do SSD recipients receive?

• Monthly payments based on your past earnings. The average SSDI payment in 2025 is about $1,580 per month but can be higher depending on your work history.

• Medicare eligibility after a 24-month waiting period.

• In some cases, spouses and children may also receive dependent benefits based on your SSDI record.

What is Supplemental Security Income (SSI)?

Supplemental Security Income (SSI) is a needs-based program designed for disabled individuals with limited income and resources, regardless of their work history.

SSI Eligibility Requirements:

• Low income and limited resources: You must have less than $2,000 in assets ($3,000 for couples) and limited income. SSI is strictly income-based, meaning even small earnings or financial support from others can impact eligibility.

• Disabling condition (or age 65+): Like SSDI, you must have a disability that prevents you from working for at least 12 months or is expected to be fatal. However, older adults (65+) can qualify without being disabled if they meet financial requirements.

• No work history required: Unlike SSDI, you don’t need work credits to qualify. Even those who have never worked may be eligible.

What benefits do SSI recipients receive? 

• Monthly payments set by the federal government ($967/month for individuals, $1,450/month for couples in 2025), though some states offer additional financial supplements.

• Automatic Medicaid eligibility in most states.

• Food assistance and housing support may also be available through state and local programs.

SSDI vs. SSI: Can you qualify for both?

Yes! Some individuals qualify for both SSDI and SSI benefits—often referred to in discussions about SSDI vs. SSI as concurrent benefits. This typically occurs when a person qualifies for SSDI but receives a low monthly payment due to limited past work history. If your SSDI benefit falls below SSI income limits, SSI can supplement your monthly income.

However, receiving both benefits requires meeting both sets of eligibility criteria, including SSDI’s work requirements and SSI’s strict income limits.

Denied SSD benefits?

We can help. Call 866-930-6435 for a free consultation.

Applying for SSD benefits can be frustrating and overwhelming, and many people receive denials on their first attempt. If you’ve been denied SSDI or SSI, don’t give up—many claims are approved upon appeal with the right legal guidance.

At Hoskins, Turco, Lloyd & Lloyd, we specialize in helping people fight SSD denials and secure the benefits they deserve. Our experienced disability attorneys can:

• Review your case to determine why you were denied and how to strengthen your appeal.
• Gather strong medical evidence and supporting documents to bolster your claim.
• Handle the appeal process and represent you in hearings before an Administrative Law Judge.
• Maximize your chances of approval by ensuring all paperwork and deadlines are properly met.

You don’t have to fight this battle alone. If your claim was denied or you need help navigating the SSD process, contact Hoskins, Turco, Lloyd & Lloyd today for a free consultation. Let us help you get the benefits you deserve!

Call 866-930-6435 to schedule your free consultation to start your appeals process.