Understanding SSDI & SSI Benefits

When a disability affects your ability to work, understanding available benefits can be an important first step. Memphisdisability provides general information for people in Memphis, Tennessee, exploring Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI).

Both programs are administered by the Social Security Administration (SSA), but they have different financial and work-history requirements.

What Is SSDI?

Social Security Disability Insurance provides monthly benefits to eligible people who meet Social Security’s disability requirements and have sufficient qualifying work history. Eligibility generally depends on how long and how recently you worked in jobs covered by Social Security.

Your benefit amount is based on your covered earnings history. A medical diagnosis alone does not establish eligibility; SSA also evaluates how your condition affects your ability to work.

What Is SSI?

Supplemental Security Income provides monthly payments to eligible people with limited income and resources who have a disability, are blind, or are age 65 or older. Children with qualifying disabilities may also be eligible.

Unlike SSDI, SSI does not require a qualifying work history. SSA considers income, resources, living arrangements, and other eligibility requirements when reviewing a claim. Some people qualify for both SSDI and SSI.

Preparing to Apply

Providing complete and accurate information helps SSA review your application. Information you may need includes:

  • Names and contact details for doctors, hospitals, and treatment providers.
  • Medical conditions, treatments, tests, and medications.
  • Employment history and when your condition began affecting your work.
  • Details about daily activities and limitations.
  • Financial information when applying for SSI.

SSA may request additional records or a medical examination during its review.

Explore Your Next Steps

Whether you are considering an application or trying to understand the process, Memphisdisability offers educational resources about disability benefits, denials, appeals, and hearings. Explore our resources or contact us to inquire about available assistance.