SSD vs. SSI: What’s the Difference?

Did you recently become disabled to the point where you were not able to work and earn a living? If so, you may be feeling like you’re running out of options for income. Perhaps now it’s time to consider applying for Social Security Disability (SSD) or Supplemental Security Income (SSI). However, you’re not sure which program is right for you; you’re not sure what sets the two programs apart. What’s the difference between SSD and SSI? Social Security Disability and Supplemental Security Income are two large federal programs; both programs were designed to help people with disabilities. Both of these programs are handled by the Social Security Administration, yet they are different in many ways.

Social Security Disability

Under the SSD program, you and certain family members are paid as long as you are “insured” under the program, meaning you’ve paid Social Security taxes and worked long enough to qualify under the program. What SSD does:

• It helps people who meet the SSA’s definition of “disability” pay for their basic needs. Qualifying individuals have worked long enough and paid enough Social Security taxes to receive benefits under this program.
• SSD may pay benefits to an adult child who qualifies on a parent’s earning record if he or she became disabled before the age of 22.

Supplemental Security Income

Unlike SSD, you are not required to have paid Social Security taxes or worked for a certain number of years to qualify under this program. This is because SSI pays people benefits strictly based on their “financial need.” SSI is technically an income supplement program; it’s funded by general tax revenues – it is not funded by our Social Security taxes. What SSI does:

• Helps older people, the blind and disabled who have very little or no income.
• It helps the above individuals pay for their basic needs, such as food, clothing and shelter.

Are you interested in applying for SSD or SSI benefits? If so, contact The Zendeh Del Law Firm, PLLC to schedule a consultation with a Dallas Social Security Disability Lawyer!