SSDI is tied to covered work
Social Security Disability Insurance is funded through the Social Security trust fund. Eligibility depends on meeting SSA’s disability rules and having sufficient covered work credits. The monthly amount is generally based on the worker’s earnings record.
SSI is based on financial need
Supplemental Security Income is funded from general tax revenues. It can pay eligible people who are aged, blind or disabled and who have limited income and resources. Prior work is not the basis for SSI eligibility.
Health coverage differs
SSDI beneficiaries may become entitled to Medicare under program rules, while SSI is commonly connected to Medicaid, with state-specific administration. Timing and eligibility details can vary, so confirm them with SSA and the appropriate state agency.
Concurrent eligibility is possible
SSA uses the term concurrent benefits when someone qualifies under both programs. Applying for one program does not mean the other automatically applies in every situation; SSA may need separate information to determine each type of eligibility.