What Is SSDI?

Social Security Disability Insurance (SSDI) is a program for individuals who have worked and paid into Social Security through payroll taxes but are now unable to work due to a qualifying disability.

To qualify for SSDI, applicants generally must:

• Have a medical condition that meets Social Security’s definition of disability

• Be unable to perform substantial work activity

• Have earned enough work credits through previous employment

Work credits are based on income and how long you have worked. In many cases, applicants must have worked recently and consistently before becoming disabled.

Because SSDI is based on prior work history, benefit amounts vary from person to person.

What Is SSI?

Supplemental Security Income (SSI) is a needs-based program designed for individuals with disabilities who have limited income and resources.

Unlike SSDI, SSI:

• Does not require a prior work history

• Has strict income and asset limits

• Provides a standard monthly benefit amount

SSI may be available to individuals who have not worked enough to qualify for SSDI or who have limited financial resources.

Can You Qualify for Both?

In some situations, individuals may qualify for both SSDI and SSI, depending on their work history and financial circumstances. This is sometimes referred to as receiving concurrent benefits.

For example, someone may qualify for SSDI but receive a lower monthly benefit due to limited past earnings. In some cases, SSI can help supplement that amount.

Medical Eligibility Is the Same

Although SSDI and SSI have different financial and work requirements, the medical standard for disability is the same for both programs.

To qualify, a medical condition must:

• Be expected to last at least 12 months (or result in death)

• Prevent you from maintaining substantial employment

• Be supported by medical documentation and evidence

Simply having a diagnosis is not enough — the SSA evaluates how your condition limits your ability to work.

Which Program Is Right for You?

Determining whether SSDI, SSI, or both may apply depends on several factors, including:

• Your work history

• Income and assets

• Medical condition

• Ability to work

Because every situation is unique, it can be helpful to understand your options before applying.

Helping Clients Across Southern Oklahoma

Polly Murphy, P.C. assists individuals throughout Southern Oklahoma with Social Security Disability matters, including both SSDI and SSI claims. Whether you are applying for benefits for the first time or appealing a denial, the firm provides guidance designed to help clients better understand the process and avoid common mistakes.

Speak With a Social Security Disability Attorney

If you are unsure whether you qualify for SSDI, SSI, or both, Polly Murphy, P.C. can help evaluate your situation and explain your options. Serving clients across Southern Oklahoma, the firm is here to help you move forward with confidence.