SSI vs SSDI

Difference Between SSI and SSDI Benefits

Understanding the difference between Supplemental Security Income (SSI) and Social Security Disability Income (SSDI) is key for accessing the right support. This side-by-side comparison breaks down the basics—from who qualifies and how much you might receive, to how to apply. While SSI is based on financial need and does not require work history, SSDI is for individuals with a qualifying work record who can no longer work due to a disability. Whether you’re helping someone navigate benefits or applying yourself, this guide helps clarify your options.

Infographic titled 'SSI vs. SSDI: What’s the Difference?' comparing Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) across several categories. Under 'Definition': SSI is described as a needs-based program for people with limited income and resources, while SSDI is an insurance program for people who have worked and paid Social Security taxes. Under 'Amount': The basic monthly SSI payment for 2025 is the same nationwide: $967 for one person and $1450 for a couple. Not everyone gets the same amount, external factors apply; SSDI payments- not everyone gets the same amount. The amount you get will depend on how long you worked and your earnings over that time. Under 'Eligibility': You do not need to have worked or paid social security taxes to qualify. Your income and the things you own affect eligibility for SSI; SSDI - the disabled person must be 'insured,' meaning that person worked long enough, recently enough, and paid social security taxes on those earnings. Under 'How to Apply': Both programs use the same online application at SSA.gov, and applicants can also apply by phone or at a local Social Security office. Infographic includes Think Equitable branding with The National Center for Disability, Equity, and Intersectionality

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