Understanding the difference between Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) is crucial if you’re applying for disability benefits in Massachusetts. While both programs are managed by the Social Security Administration (SSA) and provide financial help to people with disabilities, they differ in eligibility, funding sources, and benefits. Knowing these differences can help you apply for the right program and avoid unnecessary delays in your disability claim.
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Key Differences Between SSDI and SSI
1. Eligibility Requirements
SSDI is based on your work history. To qualify, you must have worked long enough and paid Social Security taxes through your paychecks. The SSA measures this using work credits, which you earn each year you work.
SSI, on the other hand, is a needs-based program. It’s designed for people with limited income and resources, regardless of work history. You do not need to have worked or paid into Social Security to qualify for SSI.
In short:
- SSDI = Work-based benefits
- SSI = Financial need-based benefits
2. Income and Resource Limits
For SSDI, your income from work must be below the Substantial Gainful Activity (SGA) limit set by the SSA, but other income or savings generally don’t affect your eligibility.
For SSI, both income and resources matter. The SSA will review your total assets (like savings, property, or investments), and if they exceed certain limits ($2,000 for an individual, $3,000 for a couple), you may not qualify.
3. Health and Disability Requirements
Both SSDI and SSI require proof that your disability prevents you from working for at least 12 months or is expected to result in death. However, the medical criteria are identical for both programs — the difference lies in the financial and work history requirements.
4. Benefit Amounts and Payments
SSDI payments are based on your average lifetime earnings before your disability. People who worked longer and earned more will typically receive higher monthly benefits.
SSI benefits are based on the federal benefit rate, which is adjusted annually. Massachusetts supplements SSI payments with a state supplement, so residents often receive slightly higher monthly benefits compared to other states.
5. Health Insurance Benefits
- If you receive SSDI, you will automatically qualify for Medicare after a 24-month waiting period.
- If you receive SSI, you will automatically qualify for MassHealth (Medicaid) in Massachusetts, which covers medical expenses right away.
6. Application and Processing Times
You can apply for both SSDI and SSI through the SSA’s website or your local Social Security office in Massachusetts. SSDI applications typically take longer to process because they require verification of your work history, while SSI applications focus more on financial information.
How Hogan Smith Can Help
At Hogan Smith, we understand how confusing it can be to navigate the differences between SSDI and SSI, especially when determining which program fits your circumstances. Our experienced team can help you with:

- Evaluating your work and financial history to determine which program you should apply for.
- Gathering and organizing medical and financial evidence to strengthen your claim.
- Guiding you through the entire application or appeal process.
- Ensuring you receive the maximum benefits available under Massachusetts law.
Contact Hogan Smith Today
If you’re unsure which disability program is right for you or need help applying for benefits in Massachusetts, Hogan Smith is here to assist. We offer free consultations to help you understand your eligibility and build a strong application.

Contact us today to take the first step toward securing your disability benefits and getting the financial support you deserve.
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