What Is The Difference Between SSDI And SSI?

The Social Security Administration (SSA) operates two benefit programs specifically designed to help disabled Americans remain financially strong. Unfortunately, many people are easily confused by the eligibility requirements of the two programs and often misunderstand the benefits available to them.

It is often wise to seek the counsel of an experienced attorney. At the firm of Daryl C. Royal, Attorney at Law, we understand your confusion and can talk you through it. By answering your complex questions in straightforward manner and by providing thoughtful insight into your situation, we provide our Detroit-area clients with the peace of mind they need. In Dearborn and communities throughout Michigan, our firm stands ready to guide you through applying for disability benefits or appealing a denial.

How Do These Two Programs Differ?

Built to provide financial stability for disabled Americans, SSDI and SSI have significant differences.

  • Social Security Disability Insurance (SSDI): This program allows workers who became disabled to receive their retirement benefits early. Outside of the disability itself, eligibility is largely based on your work history. To be eligible to apply for SSDI, you have to have earned enough work credits based on taxable employment. In other words, SSDI is based on the FICA taxes you have paid throughout your working career — generally identifiable on your pay stub.
  • Supplemental Security Income (SSI): While SSDI is based on your taxable work history, SSI is not tied to your FICA taxes. SSI benefits are awarded simply on the basis of financial need. Adults or children who meet the disability criteria and have limited financial resources are eligible to apply to receive SSI.

As every situation is different, it is critical that you discuss your case with an experienced lawyer. Anecdotal stories or information passed along by friends or family members might not be accurate to your specific circumstances.

Call Or Email Us To Schedule An Appointment

One slight misstep can negatively impact your financial stability. Let our firm review your case and provide the legal guidance you need. Call us at 313-769-9121 or contact us online to set up a case evaluation.