Who SSDI is for
SSDI is for workers who have paid into Social Security through their jobs and can no longer work because of a medical condition. Eligibility depends on your work history and recent work credits, along with medical evidence that you cannot do substantial work. Because it is tied to your earnings record, the amount is based on what you paid in over time.
Who SSI is for
SSI is a needs-based program for people with limited income and resources. It does not require a work history, which makes it an option for people who have not worked enough to qualify for SSDI. The medical rules are the same, but SSI also looks closely at what you earn and own to decide if you meet the financial limits.
Can you get both?
Yes. Some people receive both SSDI and SSI at the same time, usually when their SSDI payment is low and they also meet the SSI financial rules. This is sometimes called a concurrent claim. An evaluation can help you see whether you might fit one or both programs.
Which should you apply for?
You do not have to figure this out on your own. The evaluation helps sort out which program fits your work history and finances, and whether you may qualify for both. It costs nothing and takes about 60 seconds.
Not sure which program fits?
Get a free evaluation and we will point you in the right direction.