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Appeals

SSI and SSDI

Which One is Right for Me?

Supplemental Security Income (SSI) and
Social Security Disability Insurance (SSDI)

What's the Difference?

Feature Supplemental Security Income Social Security Disability Insurance
Eligibility Based on financial need
(low income and limited assets)		 Based on work history and Social Security tax contributions
Disability Requirement Must meet SSA’s definition of disability Must meet SSA’s definition of disability
Work History Required? No, but income and assets must be below a certain level Yes, must have sufficient work credits from paying Social Security taxes
Funding Source General tax revenues Social Security payroll taxes (FICA)
Monthly Benefit Amount Typically lower, varies by state Based on prior earnings
(can be higher than SSI)
Health Insurance Provided Medicaid
(eligibility varies by state)		 Medicare
(after 24 months of SSDI benefits)
Waiting Period for benefits No waiting period 5-month waiting period for benefits to begin
Benefits for Dependents? No Yes, eligible dependents
(spouse, children) may receive benefits

Which One
Should You Apply For?

If you have never worked or have limited work history, low income, and few assets, apply for SSI.
If you have a significant work history and paid Social Security taxes, apply for SSDI.
Some people may qualify for both programs if they meet both financial and work history criteria.
Speak to a Salus Disability Advocate now Call 206-485-4066