If you’re considering applying for disability benefits, you’ve likely come across two similar-sounding programs: SSDI (Social Security Disability Insurance, often called SSD) and SSI (Supplemental Security Income). While both are administered by the Social Security Administration (SSA) and require meeting the same strict medical definition of disability, their eligibility rules differ significantly.SSDI is an insurance program. Eligibility is based on your work history. You must have earned enough work credits—typically 40 total, with 20 earned in the last 10 years—by paying Social Security taxes through covered employment. Benefits are calculated from your average lifetime earnings, so those with higher past wages often receive more. There is no limit on assets or savings for SSDI qualification. After receiving benefits for 24 months (with exceptions like ALS), you become eligible for Medicare.
SSI, by contrast, is a needs-based program funded by general tax revenues. It does not require any work history. Instead, eligibility depends on limited income and resources—generally no more than $2,000 in countable assets for an individual or $3,000 for a couple (2026 figures). The federal benefit rate for 2026 is $994 per month for an individual and $1,491 for a couple, often supplemented by some states. Qualifying individuals usually receive Medicaid coverage right away. Many people qualify for one, both, or neither depending on their work record and financial situation. Some with low SSDI payments may also receive a small SSI supplement.
Navigating these programs can be complex. A knowledgeable advocate can help determine which benefits you may qualify for and guide you through the application process to maximize your chances of approval.
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Don’t give up. With aggressive and effective legal representation from our disability attorneys, you improve your chances of securing the benefits you need. Our firm has successfully recovered millions of dollars for individuals nationwide whose disability claims were denied. We understand how to navigate the complex process involved in obtaining benefits from the Social Security Administration or a private long-term disability insurer.