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SSI & SSDI: What are the differences?

Social Security benefits help disabled or older Americans, but there are various programs like SSI and SSDI and not just Social Security in retirement.

social security card with cash representing benefits like SSI and SSDI

SSI stands for Supplemental Security Income, while SSDI stands for Social Security Disability Insurance.

Both programs work to provide Americans in need with financial assistance, but the two are different.

SSDI: Can you work and collect Social Security Disability?

SSI explained

SSI is a program that helps disabled people with an income below $2,000.

Couples qualify with an income below $3,000.

The Social Security Administration runs this program.

SSI: 36 states will increase payments up to $120

Eligibility requirements for SSI include

  • Be a child, disabled adult, or 65 years and above
  • Be a legal US citizen
  • Have a limited income level
  • Be a U.S. resident

SSDI explained

SSDI is run by the SSA as well.

This program helps disabled people who have worked and paid into Social Security before their disability.

The disability must last one year or longer.

SSDI & SSI: Will I lose my benefits from working?

Eligibility requirements for SSDI include

  • Not being able to work normally due to a medical condition
  • The length of the disability will last at least one year
  • The disability does not allow for regular body function
  • You must be under the estimated retirement age
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