SSI vs SSDI
What it means
Two different federal programs for people with disabilities. SSI (Supplemental Security Income) is for people with little or no work history who have a disability — it is based on need, not on past employment. SSDI (Social Security Disability Insurance) is for people who worked and paid into Social Security before becoming disabled — eligibility is based on the worker's history. Some people qualify for both. SSI comes with automatic Medicaid in New York. SSDI comes with Medicare after a 24-month waiting period. Both require proof that the disability prevents substantial work. Applying can take months. If denied, there is an appeal process — many initial denials are overturned on appeal.
When you might hear this
You hear these when someone with a disability applies for monthly income. SSI and SSDI are both federal programs run by Social Security, but they have different rules for who qualifies and how much you get.
What to ask
- Am I applying for SSI, SSDI, or both?
- How long will the application process take?
- What medical records does Social Security need?
- If I am denied, what is the appeal process?
- Does this qualify me for Medicaid or Medicare automatically?