By Chris Sharry on June 9th, 2025 in Disability, Social Security Disability
Social Security Disability benefits can be a vital lifeline for individuals who are unable to work due to a serious medical condition. However, many people are unsure whether they qualify for Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). While both programs are administered by the Social Security Administration (SSA) and provide financial assistance to disabled individuals, they differ significantly in terms of eligibility, funding, and benefits. Understanding the differences between SSDI and SSI is essential for Massachusetts residents seeking disability benefits.
What Is SSDI?
Social Security Disability Insurance (SSDI) is a program designed for individuals who have a qualifying disability and a sufficient work history. SSDI is funded through payroll taxes, and eligibility is based on the number of work credits a person has earned over time.
To qualify for SSDI, an applicant must:
- Have a medically determinable disability that prevents substantial gainful activity.
- Have worked in jobs covered by Social Security.
- Earned enough work credits—typically, 20 credits in the last 10 years for adults over 31.
The monthly benefit amount depends on the individual’s earnings history, not financial need. After receiving SSDI benefits for 24 months, recipients become eligible for Medicare coverage, regardless of age.
What Is SSI?
Supplemental Security Income (SSI) is a needs-based program that provides financial assistance to disabled individuals with limited income and resources. Unlike SSDI, SSI does not require a work history and is funded by general tax revenues rather than Social Security payroll taxes.
To qualify for SSI, an applicant must:
- Be disabled, blind, or age 65 or older.
- Have limited income and assets (generally less than $2,000 for individuals or $3,000 for couples).
- Be a U.S. citizen or meet certain immigration criteria.
The maximum federal SSI benefit in 2025 is $943 per month for individuals, but Massachusetts residents may receive additional benefits through the state’s State Supplement Program (SSP).
Key Differences Between SSDI and SSI
While both SSDI and SSI provide critical support to individuals with disabilities, their key differences include:
- Eligibility: SSDI requires a sufficient work history; SSI is based on financial need.
- Funding source: SSDI is funded by Social Security payroll taxes; SSI is funded by general federal taxes.
- Monthly benefit amount: SSDI benefits are based on past earnings; SSI benefits are capped and may be supplemented by the state.
- Healthcare coverage: SSDI recipients are eligible for Medicare after 24 months; SSI recipients qualify for Medicaid immediately in Massachusetts.
- Application process: Both require proof of disability, but financial disclosures are crucial for SSI applications.
Can You Qualify for Both?
In some cases, individuals may qualify for both SSDI and SSI benefits. This is known as receiving concurrent benefits. For example, a person with a limited work history and low income may qualify for SSDI, but if their benefit amount is very low, they may also receive SSI to supplement their income.
How to Apply for SSDI or SSI in Massachusetts
Applying for either program involves submitting a detailed application to the Social Security Administration, including:
- Medical records and documentation of your disability.
- Work history (for SSDI).
- Income and asset information (for SSI).
The SSA may deny your initial claim, but applicants have the right to appeal. It’s common for individuals to require a hearing before an Administrative Law Judge (ALJ) to successfully obtain benefits.
Get the Help You Need
Navigating the SSDI and SSI application process can be complicated and time-consuming. Many applicants face delays or denials because of incomplete information or missed deadlines. Having legal representation can make a significant difference in the outcome of your case.
If you are unsure which disability benefits you may qualify for or need help applying for SSDI or SSI in Massachusetts, contact Attorney Christopher Sharry at Sharry & Monfette. Our experienced team is here to guide you through the process and fight for the benefits you deserve.
