SSI and SSDI: what is the difference?
The Social Security Administration (SSA) runs two programs that make monthly payments to people with disabilities: SSI and SSDI.[1][2] One is based on financial need, the other on work history.
SSI: based on need
Supplemental Security Income (SSI) provides monthly payments to people with disabilities and older adults who have little or no income or resources.[1] Adults and children may be eligible if they have little or no income, little or no resources, and a disability or blindness, or are 65 or older.[1]
SSDI: based on work history
Social Security Disability Insurance (SSDI) provides monthly payments to people who have a disability that stops or limits their ability to work.[2] You may be eligible if you have a disability or blindness and enough work history, and the payment amount is based on your work history before the disability began.[2] Generally you must have worked at least 5 of the last 10 years; people under 24 may not need to have worked as long.[3]
How to apply
You apply with the Social Security Administration, starting from its online application page.[4] For SSI, you can also call 1-800-772-1213 (TTY 1-800-325-0778) to make an appointment, including a telephone appointment with your local Social Security office.[5]
These links go to the official website. You cannot apply on this site.
Sources
Each source was checked on 2026-10-05. Rules and amounts change; the official page is the one to rely on.