The Difference Between SSI And SSDI

Last updated on May 7, 2025

The largest difference between Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) is that SSI is intended for low-income people, while SSDI is based on a person’s work history.

SSI is funded by general tax revenues, not Social Security taxes. SSI was created to make eligibility for federal benefits uniform across all states.

Experienced In SSI And SSDI Claims

Shawn Taylor PLLC, located in Charleston, West Virginia, handles appeals for both SSDI and SSI. All too often, we see people who are not aware they may be eligible for both types of benefits give up on their claim or fail to get the benefits they deserve under the law.

A former municipal judge, attorney Shawn Taylor focuses exclusively on Social Security law. His unique background and experience mean you can rest assured your case is in good hands.

What Is Supplemental Security Income (SSI)?

Supplemental Security Income is a needs-based program that is managed by the Social Security Administration (SSA), but it is funded differently than Social Security Disability (SSDI). SSI is intended to be a social and financial safety net for:

• Individuals who are 65 years of age or older, regardless of their health, so long as they meet the financial resource and income limits for the program.
• Adults and children who are blind or disabled with limited income or assets, once any “deemed” income from spouses or parents is taken into account.

Both U.S. citizens and certain qualifying noncitizens may qualify for SSI benefits, and eligibility is tied to financial need (and, most often, disability status), not the individual’s work history.

What Is Social Security Disability Insurance (SSDI)?

Social Security Disability Insurance (SSDI) is a benefit for people who have worked and paid into the Social Security system through their taxes but are now disabled due to a mental or physical condition (or some combination of the two). It is designed as a financial safety net for any working adult who becomes disabled before they reach their minimum retirement age, so long as they meet SSA’s definition of what it means to be disabled and have enough work “credits” to qualify for benefits.

What Should Applicants Know Before Submitting An SSI Or SSDI Claim?

Qualifying for SSI or SSDI benefits due to disability is notoriously difficult, and claims are often unfairly denied because of incomplete applications, missing medical documentation and the claimant’s failure to understand the steps they need to follow to properly assert their claim. The more carefully you complete your initial application and the more records you provide in support of your claim, the easier it is to get your claim approved.

Whether you are filing for SSI or SSDI, the process is very similar. In some cases, you may be eligible to file for both benefits at once. Given the difficulty of getting an application successfully through the process and the length of time it takes to receive a decision, especially when you must file an appeal, it is wise to work with a seasoned disability attorney. SSI and SSDI lawyers charge nothing upfront to represent clients and only take a fee if they are successful, which makes quality representation accessible to everyone.

Do Not Give Up After An Initial Rejection

Most initial SSDI claims are rejected. Just because you receive an initial rejection to either SSDI or SSI does not mean you are not eligible to receive benefits. By working with a Social Security lawyer who has handled thousands of SSDI and SSI claims, you can put your claim in the best possible position to succeed.

Call Anytime To Schedule A Free Consultation

We are available by phone 24/7, so feel free to call immediately to get started on either your SSI or SSDI claim. From our office in Charleston, West Virginia, we represent clients throughout West Virginia, Kentucky and Ohio. We offer virtual consultations and in many cases, you will never need to go to court. Call 855-969-4648 or email us today.