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Is there a difference between SSDI and SSI programs?


Within the Social Security Administration's programs, there are two common types of benefits for individuals with disabilities: Social Security Disability and Supplemental Security Income. Although they are similar in name and both are run by the Social Security Administration, they are two very different programs.

Social Security Disability Insurance, or SSDI, is a program designed to provide financial aid to those enrolled who are suffering from an illness or injury that will last longer than a year or is expected to end in death. It is funded similarly to Social Security retirement benefits, with monies taken from the contributor's payroll taxes. To be eligible to for SSDI benefits, you must have earned at least twenty quarters of coverage, or QCs, over the previous 10 years. The amount you will receive is dependent on the amount you were earning before the injury or illness. After receiving two years worth of SSDI benefits, you will be transferred over to Medicare for additional coverage.

Supplemental Security Income is a separate program used to aid those who qualify by falling under a certain income. Essentially, SSI is designed for those who are in dire financial need. To qualify for SSI benefits, an applicant must meet certain financial requirements with minimums in cash and property. They must have less than $2,000 in cash or in bank accounts, or $3000 for a married couple.

Both programs have helped millions of Americans who are suffering from debilitating injuries that prevent them from entering the workforce and earning money. SSI and SSD benefits may be able to help many New York residents.

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