SSISSDIExplainer7 min read

SSI vs SSDI — what is the difference?

Both programs pay cash to people with disabilities. They work very differently. Here is what you need to know about each.

FeatureSSISSDI

Full nameSupplemental Security IncomeSocial Security Disability Insurance

Funded byGeneral federal taxesSocial Security payroll taxes

Work history needed?NoYes — work credits required

Income/asset limits?Yes — strictIncome limits; no asset test

2027 max payment (single)$976/monthVaries by earnings history

Health coverageMedicaid (in most states)Medicare after 24 months

SSI in detail

SSI pays a monthly amount to people who are aged 65 or older, blind, or disabled, and have limited income and resources. You do not need a work history. The maximum federal payment in 2027 is $976/month for one person (with the 3.6% COLA). Some states add a supplement. You must have less than $2,000 in countable resources ($3,000 for a couple).

SSDI in detail

SSDI pays monthly benefits to people who have worked and paid Social Security taxes and who now have a disability expected to last at least 12 months or result in death. The amount you get depends on your earnings history — the average payment in January 2027 will be about $1,592/month. There is no asset limit. You can have savings and still receive SSDI.

Can you get both?

Yes — this is called "concurrent benefits." If your SSDI payment is low and you also meet the SSI income and asset rules, you can receive both. Many people with low earnings histories do this. SSA automatically evaluates both programs when you apply.

How to apply

Apply for both SSI and SSDI through SSA. You can apply online, by phone (1-800-772-1213), or in person at your local SSA office. Start as soon as you think you qualify — processing can take 3–6 months.

Apply at SSA.gov