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 disability programs funded by the Social Security Administration. They are regulated by the Federal government but are administered by the states. SSDI is insurance protection for individuals under 65 years of age who have earned enough work credits. The individual must have a severe physical or mental disability that has lasted or is expected to last at least a year. Supplemental Security Income (SSI) is a program funded by general tax revenue that offers help to people who have limited income and resources. Unlike SSDI, individuals of any age can qualify for SSI. Usually, SSI is paid to individuals who have not worked or whose work history does not qualify for SSDI benefits. Both SSDI and SSI allow individuals to meet their basic needs and provide medical expenses. The two programs provide different levels of support, and they are both eligible for Medicare or Medicaid coverage. The eligibility requirements also vary. SSDI requires the individual to have a significant work history, while SSI does not. In Georgia, individuals can find more information on both SSDI and SSI and apply for benefits at the Social Security Administration office. A disability attorney can also help individuals understand the application and appeals process and determine if a person is eligible for either program.
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