SSDI vs SSI: What Is the Difference?
SSDI and SSI are both administered by Social Security, but they are different programs. SSDI is primarily based on insured work history; SSI is primarily a needs-based program.
Last reviewed: July 13, 2026
SSDI is work-based insurance
SSDI eligibility generally requires enough recent work covered by Social Security and a qualifying disability. Monthly benefits are tied to the worker’s earnings record.
SSI is needs-based
SSI can pay eligible people who are disabled, blind, or age 65 or older and who have limited income and resources. Prior work is not required.
Financial rules differ
SSDI does not generally impose an asset limit. SSI has detailed income and resource rules, and living arrangements can affect payment.
Health coverage differs
SSDI beneficiaries may become eligible for Medicare after the applicable waiting period. SSI recipients are often linked to Medicaid, but Medicaid rules and enrollment can vary by state.
Some people receive both
A person with a low SSDI payment may also qualify for SSI if all SSI financial and non-financial requirements are met. This is sometimes called concurrent eligibility.
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Check EligibilityFrequently asked questions
Can I apply for SSDI and SSI at the same time?
Yes. SSA may evaluate eligibility for both programs when appropriate.
Which program pays more?
It depends on the SSDI earnings record, SSI payment rules, income, living arrangements, and state supplements.
Does SSI require work credits?
No. SSI is not based on prior covered work, though disability criteria apply to disabled adult applicants.
Official sources
This guide summarizes official Social Security information in plain English. Review the linked SSA pages for the controlling guidance.
General information only. SSDIResource.com is not affiliated with the Social Security Administration, is not a law firm, and does not provide legal advice.