Navigating the benefits available through the Social Security Administration (SSA) can be confusing—especially when it comes to understanding the difference between Supplemental Security Income (SSI) and Social Security benefits. While both are designed to provide financial assistance to those in need, they serve different purposes, have distinct eligibility criteria, and are funded differently.
At RIE Law in Jacksonville, Florida, our attorneys are dedicated to helping individuals and families understand and access the benefits they deserve.
What Are Social Security Benefits?
Social Security benefits are based on a person’s work history and the taxes they’ve paid into the Social Security system over time. There are several types of benefits available:
Retirement Benefits: Paid to individuals who have reached retirement age and have earned enough credits through their working years.
Disability Benefits (SSDI): Available to individuals under retirement age who have a qualifying disability and sufficient work history.
Survivor Benefits: Paid to the family members of a deceased worker who met the qualifications for benefits.
To qualify for Social Security benefits, a person must have contributed to the program through payroll taxes, earning “credits” based on their employment.
What Is Supplemental Security Income (SSI)?
SSI is a need-based federal program that offers financial assistance to those who are 65 or older, blind, or disabled—regardless of their work history. Unlike Social Security benefits, SSI eligibility is determined by a person’s income and financial resources, not their employment record.
Funded by general tax revenues (not Social Security taxes), SSI helps individuals who have limited income and assets cover basic expenses such as food, clothing, and shelter.
Main Differences Between SSI and Social Security Benefits
Although both programs are overseen by the SSA and provide monthly financial assistance, they differ in several important ways:
1. Eligibility Based on Work History
Social Security benefits require you to have worked and contributed to the Social Security system.
SSI does not require any work history; eligibility is based solely on financial need.
2. Funding Source
Social Security is funded through payroll taxes paid by workers and employers.
SSI is paid out of the U.S. Treasury’s general funds, not Social Security trust funds.
3. Healthcare Access
SSDI recipients may qualify for Medicare, usually after a 24-month waiting period.
SSI recipients generally qualify for Medicaid immediately, depending on state regulations.
4. Additional Public Assistance
SSI beneficiaries may also qualify for SNAP (food assistance) and other social welfare programs due to their low income.
Social Security recipients may not be automatically eligible for these programs unless they separately qualify.
5. Monthly Benefit Amount
Social Security payments vary based on your lifetime earnings.
SSI provides a fixed monthly payment amount, which is adjusted annually. Some states may add supplemental amounts to federal SSI benefits.
Shared Features Between SSI and Social Security
While SSI and Social Security differ in purpose and funding, they do share a few characteristics:
Both are administered by the Social Security Administration.
Monthly payments are provided to eligible recipients.
The definition of disability for adults is the same across both programs. For children applying under SSI, the disability standard is slightly different, focusing on how the condition affects daily functioning.
Can You Receive Both SSI and SSDI?
Yes. If you qualify for both SSDI and SSI, you may be eligible to receive concurrent benefits. While SSDI is based on work history and SSI is based on financial need, the programs can work together to maximize your total monthly support. However, your SSI benefit amount may be reduced depending on the amount of SSDI you receive.
The Importance of Legal Guidance
Applying for SSI or Social Security Disability benefits can be a challenging process. Many claims are denied at the initial stage—not because the applicant doesn’t qualify, but due to incomplete paperwork, insufficient medical evidence, or procedural errors.
That’s why partnering with an experienced legal team like RIE Law can make all the difference. From preparing a comprehensive application to appealing a denied claim, we advocate for your rights and ensure that your case is handled with the care and attention it deserves.
How RIE Law Helps You Navigate the System
At RIE Law, our mission is clear: to stand beside individuals and families throughout Florida as they pursue the benefits they are entitled to. Our team is deeply familiar with the SSA’s requirements and the challenges that applicants often face.
When you choose RIE Law, you get:
Direct support from an experienced attorney, not just office staff.
Clear guidance through the entire process, from your first application to any necessary appeals.
A legal partner who listens and fights for your rights, always prioritizing your needs and wellbeing.
We pride ourselves on offering personalized legal support that combines the resources of a large firm with the compassion and focus of a small practice.
Contact RIE Law Today
If you or a loved one is considering applying for SSI or Social Security benefits, don’t navigate the process alone. Mistakes on your application can delay or even derail your ability to receive crucial support. Let RIE Law in Jacksonville, Florida help you secure the benefits you need.
