What is the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)?

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are both types of disability benefits provided by the United States federal government’s Social Security Administration (SSA). Although both are available to individuals with disabilities, they differ in eligibility requirements and types of benefits they provide. SSDI, also known as Title II disability benefits, is a disability insurance program funded by Social Security payroll taxes paid by employers, employees, and self-employed individuals. To be eligible for SSDI, the applicant must have an employment history and have paid into Social Security. SSDI provides monthly cash benefits to individuals who are unable to work due to a disability or injury that has lasted for at least 12 months and is expected to last for at least 12 months. SSDI also assists in providing financial security to family members of the disabled individual and provide healthcare coverage through Medicare. Supplemental Security Income (SSI), also known as Title XVI benefits, is a needs-based benefit open to citizens and certain non-citizens, regardless of work history, who have a financial need and are disabled and/or blind. SSI benefits are not funded by Social Security payroll taxes, but instead by general funds from the U.S. Treasury. SSI benefits provide monthly cash benefits to those with limited income and resources. Eligibility for SSI also determine eligibility for Medicaid coverage. Ultimately, SSDI is an insurance program that is funded by Social Security payroll taxes, is only available to individuals with an employment history, and provides disability benefits and Medicare coverage. SSI is a needs-based benefit that is funded by general funds from the U.S. Treasury, is available to those with limited income and resources, and provides disability and blind benefits with Medicaid coverage.

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What is the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)?

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