If you’re looking into Social Security benefits, you’ve likely come across the acronyms SSI and SSDI. While both programs provide monthly payments to eligible Americans, they serve different groups and have different qualification rules.
Here’s a 2025 guide to understanding the key differences between SSI and SSDI — and how to know which one (or both) you might qualify for.
What is SSDI?
SSDI stands for Social Security Disability Insurance. It’s a federal benefit program for people who:
- Have a qualifying disability
- Worked and paid into Social Security (FICA taxes)
- Earned enough “work credits” based on their employment history
💡 In 2025, most people earn 1 work credit per $1,730 in wages. You typically need 40 credits to qualify — 20 earned in the last 10 years.
What is SSI?
SSI stands for Supplemental Security Income. Unlike SSDI, it’s:
- Needs-based (you don’t need a work history)
- Funded by general tax revenue, not Social Security taxes
- For people who are aged 65+, blind, or disabled
- Only for those with very limited income and assets
💡 To qualify in 2025, you generally must have less than $2,000 in countable assets ($3,000 for couples).
🧠 Quick Comparison: SSDI vs SSI (2025)
| Feature | SSDI | SSI |
|---|---|---|
| Based on Work History | ✅ Yes | ❌ No |
| Income-Based? | ❌ No (not needs-tested) | ✅ Yes |
| Funded By | Social Security payroll taxes | General federal taxes |
| Health Insurance | Medicare (after 24 months) | Medicaid (usually automatic) |
| Monthly Benefit (Avg) | ~$1,537 in 2025 | ~$943 individual / ~$1,415 couple |
| Application Through | Social Security Administration | Social Security Administration |
Can You Qualify for Both?
Yes — this is called concurrent benefits. If you worked and paid into Social Security (SSDI), but still have very limited income/assets, you might also receive SSI.
💡 The SSI amount may be reduced based on your SSDI payment.
📝 How to Apply
You can apply online at ssa.gov or call 1-800-772-1213.
Processing time may take several months, so it’s smart to apply as soon as you think you may be eligible.
Bottom Line
Check your eligibility online or contact the SSA to apply.
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