SSDI vs. SSI: Key Differences Explained

SSDI (Social Security Disability Insurance) is based on your work history — you must have earned enough work credits (generally 40 credits, 20 earned in the last 10 years).

Benefits are based on your lifetime earnings.

SSI (Supplemental Security Income) is needs-based — no work history required, but you must have limited income and assets (under $2,000 for individuals). Both programs require a qualifying disability expected to last 12+ months or result in death. You can receive both (concurrent benefits) if you qualify for SSDI but your benefit is low..