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Disability Law Offices of Tony Adderley

SSDI Vs. SSI: What Is The Difference?

  • By: Tony Adderley
  • Published: August 1, 2015
SSDI Vs. SSI: What Is The Difference?

Many people are confused at the difference between SSDI and SSI, in relevance to Social Security benefits. Both are benefits provided by Social Security to people that deemed as disabled but the requirements to collect are very different.

The primary difference between SSD and SSDI is in order to collect SSDI; you must have worked and accumulated a sufficient number of work credits to qualify. SSI benefits are for low-income individuals who have either never worked or who haven’t earned enough work credits to qualify for SSD. They are two completely different governmental programs.

SSI is strictly need-based and has nothing to do with your work history at all. It is concerned only with your financial need so basically to qualify you would need very limited assets and income. Most people who receive this type of benefit also qualify for food benefits and Medicaid.

SSDI is funded through payroll taxes. Those who have paid into the Social Security trust fund in the form of FICA Social Security taxes are eligible to apply. SSDI candidates must be younger than 65 and have earned a certain number of work credits. After receiving SSDI for two years, a disabled person will become eligible for Medicare.

You have to be 18 years of age or older to collect SSDI disability benefits, however with SSI, age doesn’t matter. Social Security uses a five-month waiting period for benefits, meaning you have to wait five months after becoming disabled to receive benefits.

If you have applied and been denied either type of SS benefit then contact the Law Offices of Tony Adderley today. With the help of an experienced Social Security lawyer, you can start the appeal process or the application process, worry free. Tony Adderley will take the wheel and lift your burdens while getting you the benefits that you are entitled to. Call (310) 554-5188 today for your free consultation.

About the Author Tony Adderley has been working as a professional advocate for
individuals entitled to Social Security Disability (SSD) and worker’s
compensation benefits for more than 20 years.