The main difference between Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) is that SSI is an entitlement program with no work-related requirements, whereas SSDI is an earned benefit that has work requirements to qualify. Both programs pay monthly benefits to people with disabilities.
To qualify for Social Security Disability Insurance (SSDI) benefits, you must:
In general, SSA will pay monthly benefits to people who are unable to work for a year or more because on a disability. Generally, there is a 5-month waiting period and SSA pays your first benefit the sixth full month after the date they find your disability began.
SSA may pay Social Security disability benefits for as many as 12 months before you apply if the SSA find you had a disability during that time and you meet all other requirements.
How Much Work Do You Need To Qualify?
In addition to meeting SSA definition of disability, you must have worked long enough — and recently enough — under Social Security to qualify for disability benefits.
Social Security work credits are based on your total yearly wages or self-employment income. You can earn up to 4 credits each year.
The amount needed for a work credit changes from year to year. In 2023, for example, you earn 1 credit for each $1,640 in wages or self-employment income. When you've earned $6,560 you've earned your 4 credits for the year.
The number of work credits you need to qualify for disability benefits depends on your age when your disability begins. Generally, you need 40 credits, 20 of which were earned in the last 10 years ending with the year your disability begins. However, younger workers may qualify with fewer credits.
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