What is the difference between SSI and SSDI?
Social Security Insurance (SSI) and Social Security Disability Insurance (SSDI) are programs administered by the Social Security Administration (SSA) that provide financial benefits to those who are unable to work due to disability or health issues. While they are both administered by the same administrative body and funded by the same taxes from payroll, there are differences between the two. SSI is a needs-based program that provides benefits to those who are disabled and have limited income and assets. The safety net provided by SSI is for people who need help meeting their basic needs and are often unable to qualify for other forms of assistance. SSDI is a form of insurance that provides benefits to those who have worked in the past and paid into the Social Security system. To qualify for SSDI, individuals must have a history of working at least five of the past 10 years. SSDI is based on how much an individual contributed to the Social Security system over the years, meaning that higher earners will receive higher benefits. In Virginia, individuals can qualify for both SSI and SSDI benefits. SSDI benefits are generally higher, but SSI benefits are available to those who do not meet the requirements of SSDI. Individuals can also qualify for Medicaid in Virginia if they are eligible for either SSI or SSDI benefits.
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