Difference Between SSI and SSDI
The Social Security
Administration pays disability benefits
under two different programs:
• Social Security Disability Insurance is
the program most people think of when they
hear "disability benefits." It is commonly
known by the initials SSDI, or just SSD, or
even DIB (for Disability Income Benefits).
This program is for insured workers, their
disabled surviving spouses and children. In
order to qualify, or to be considered
"insured," you must have worked five of the
past ten years before you became disabled.
You must either be permanently disabled, or
have a disability expected to keep you from
working for twelve months or more.
• Supplemental Security Income (SSI) is a
program for people with little or no income
and resources. The disability requirements
are the same as SSDI, but SSI is an
entitlement program, and is available for
people who have NOT worked the required
number of years.
If you have questions about either of these
disability programs, please contact Kraft &
Associates, and we will be glad to help you.