Understanding SSI and SSDI: A Plain-Language Guide

Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) are two federal programs run by the Social Security Administration. Both can provide monthly payments to people with disabilities, but they work differently.

SSDI is based on your work history. If you worked and paid Social Security taxes long enough, you may qualify. SSI is based on financial need. It is for people with limited income and resources, whether or not they have worked.

Many people qualify for one program, and some qualify for both. In Michigan, people who receive SSI generally also qualify for Medicaid health coverage.

Applying can take time. Gather medical records, a list of your doctors and treatments, and your work history before you start. You can apply online, by phone, or at a local Social Security office.

You do not have to do this alone. Benefits counselors — including several listed on MittenLink — can help you apply, respond to letters, and appeal a denial. Always confirm current rules with the Social Security Administration, because program details change.