Quick answer
SSDI pays people who are disabled and have worked long enough in jobs covered by Social Security, and the amount depends on past earnings. SSI pays people with very limited income and resources who are 65 or older, blind or disabled, whether or not they have worked. SSDI usually has a five-month waiting period and leads to Medicare after 24 months of benefits; SSI usually comes with Medicaid in most states.
Side by side
| SSDI | SSI | |
|---|---|---|
| Based on | Your work history and Social Security taxes paid | Financial need |
| Who | Disabled workers and some family members | Age 65+, blind or disabled with limited income and resources |
| Amount | Based on your earnings record | A federal rate, plus a state supplement in some states, minus countable income |
| Health coverage | Medicare after 24 months of benefits | Medicaid in most states |
| Resource limit | None | Yes, a low limit on countable resources |
Applying
Apply online at SSA, by phone or at a field office. You can apply for both at once, and SSA will check both programs.
Common questions
Can I get SSI and SSDI at the same time?
Yes, if your SSDI amount is low enough that you also meet SSI's income and resource rules.
How long does a disability decision take?
Often several months. Send medical records and keep contact information for your doctors current to avoid delays.
Can I work while on SSDI or SSI?
Some work is allowed. SSDI has a trial work period, and SSI reduces benefits gradually as earnings rise. Report all work to SSA.
Where these facts come from
- Social Security Administration: disability benefits
- Social Security Administration: Supplemental Security Income
Sources checked October 10, 2026. Programs and rules change; confirm details with the agency or company before you act.
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