What's the Difference?

WHAT IS SSDI?

Social Security Disability Insurance (SSDI): It allows workers who become disabled to receive their Social Security retirement benefits early. In order for you to apply for SSDI, you need to have enough work credits based on taxable employment to be covered for Social Security purposes.
Since SSDI is based on FICA (Federal Insurance Contributions Act) taxes you paid throughout your working career, it entirely disregards how much money you have or do not have.
If you became disabled before you reach the age of 24, you need to have at least 6 work credits to qualify for SSDI and 12 credits if your age is between 24 and 31. If you are over 31, you need to have earned 20 work credits in the past 10 years before you became disabled to be eligible for SSDI.
To file for SSDI disability benefits, you must either be a blind or disabled worker, an adult who has been disabled since childhood, or otherwise eligible to apply according to SSA's rules. The amount of your monthly disability benefits will be based on your Social Security income record.

WHAT IS SSI?

Supplemental Security Income (SSI): benefits are awarded on the basis of financial need to adults and children who are disabled, blind, or have limited income and resources. When you file an SSI disability claims, make sure you can show the case reviewer that you have very few financial resources or assets and a low income.
Eligibility Requirements for SSDI and SSI
The SSI disability program has different eligibility requirements than Social Security Disability Insurance (SSDI). To be entitled to SSI benefits, you must be a U.S. citizen who meets the requirements set by the Social Security Administration (SSA).
to qualify for SSI benefits you need to present medical evidence that your disability will last for at least one year. Your total countable income should also be below listed Supplemental Security Income levels. The SSI amount differs from state to state.

​In both SSDI and SSI cases, a claimant's medical records will be checked periodically to be sure the individual is still disabled.
The Social Security Administration will review your condition every 3 to 7 years, depending on your disability’s nature. Once you’re awarded SSI disability benefits, your financial records will be reviewed every year.