The Social Security Administration (SSA) offers benefits to qualified individuals with a disability. These benefits include Social Security disability benefits (SSDI) and Supplemental Security Income (SSI). Some people may be confused about the differences between these programs. In fact, it is possible to qualify for both SSDI and SSI, so it is important to understand whether these programs are options for you.
What is SSI?
SSI is a program of the SSA that provides minimum basic financial benefits to those ages 65 and up and also to those with a disability, regardless of age. In either situation, the applicant must have limited to no resources to be eligible for SSI. If you qualify, your benefits will begin the first full month after the date of filing for SSI. The maximum monthly benefit in 2021 is $749 for an individual or $1,191 for a married couple.
What is SSDI?
SSD is also a program of the SSA that provides qualified individuals with a disability with financial benefits. SSD eligibility is based on the applicant’s disability and work credits already earned. If you qualify, your benefits will begin the sixth full month following the date the SSA decided your disability began. The maximum monthly benefit in 2021 is $3,148. However, how much you will receive depends on your work history.
Learn more about SSDI and SSI
SSI and SSDI are two different programs, but a person can apply for both and in some cases may be eligible for both types of benefits. This financial assistance can go a long way when you are unable to work due to a disability.