When people talk about “disability benefits,” they are often talking about two very different programs: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Both are run by the Social Security Administration and both require you to be disabled—but they have very different eligibility rules. Knowing which one fits your situation is the first step toward getting the benefits you need.
For help understanding your options in Carrollton or West Georgia, call Met Lane & Associates, P.C. at 770-834-4107, or visit our Social Security page.
SSDI: Benefits You Earned Through Work
SSDI works like an insurance policy you paid into through Social Security taxes on your paychecks. To qualify, you generally need enough work credits. In 2026, you earn one credit for every $1,730 in wages, up to four credits per year. Most adults need 40 credits—with 20 of them earned in the 10 years before becoming disabled—though younger workers may qualify with fewer. Because it is based on your earnings record, SSDI is not affected by how much money or property you own.
SSI: A Needs-Based Safety Net
SSI is funded by general tax revenue and designed for people with very limited income and resources—regardless of work history. You can qualify even if you never worked enough to earn SSDI credits, but you must meet strict income and asset limits. Because it is needs-based, an SSI payment can be reduced by other income you receive.
Key Differences at a Glance
- •Basis: SSDI is based on your work/earnings record; SSI is based on financial need.
- •Work credits: Required for SSDI; not required for SSI.
- •Income/asset limits: Do not affect SSDI eligibility; strictly limit SSI eligibility.
- •Health coverage: SSDI recipients generally become eligible for Medicare; SSI recipients are usually eligible for Medicaid.
Can You Receive Both?
Yes. Some people qualify for “concurrent” benefits—a smaller SSDI payment plus SSI to bring them up to the minimum—if they have a limited work history and low income and resources. An attorney can help determine whether you may be eligible for one or both programs.
The Disability Standard Is the Same
While the eligibility rules differ, both programs use the same definition of disability. Generally, you must be unable to perform substantial gainful activity (SGA) because of a medical condition expected to last at least 12 months or result in death. In 2026, the SGA earnings threshold is $1,690 per month for non-blind individuals. SSA evaluates your condition using its medical guidelines, including the “Blue Book” listing of impairments.
Frequently Asked Questions
What is the main difference between SSDI and SSI?
SSDI is based on your work history and the credits you earned through Social Security taxes. SSI is based on financial need and does not require a work history.
Can I get SSDI and SSI at the same time?
Sometimes. People with a limited work record and low income and resources may receive concurrent benefits from both programs.
Do both programs use the same disability rules?
Yes. Both use the same medical definition of disability and the same evaluation process, even though the financial eligibility rules differ.
Not Sure Which Benefits You Qualify For? Get a Free Consultation
Sorting out SSDI and SSI can be confusing, especially when you are already dealing with a serious health condition. Met Lane & Associates can review your situation and help you apply for the right benefits—call 770-834-4107 or visit 619 Newnan St, Carrollton, GA 30117.