Difference between SSD and SSI

Social Security Disability Insurance (SSDI) is meant for disabled people who are “insured,” which means that you have worked enough "quarters" or "credits". In order to qualify for Social Security Disability benefits, the Social Security Administration states that you must have earned 40 work credits, 20 of which must have been earned in the last five years. However, younger workers can qualify with fewer credits. Usually, if you are working full-time, you can earn up to four credits per year. Generally, you must have worked at least five of the last ten years in some kind of full-time work.

Supplemental Security Income (SSI) offers benefits based on financial need and does not have any employment requirements. SSI benefits are paid not only to disabled people who do not have much income, but also to blind and disabled children. In order to qualify for SSI benefits, you must meet the disability and financial criteria outlined by the Social Security Administration (SSA).

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Disclaimer

The information contained in this FAQ section is intended to familiarize an individual with the general laws impacting individuals in Florida. It is not intended to apply to your specific case, and should not be construed as legal advice. If you have questions regarding your specific circumstances, please feel free to call for a free consultation.