Check Your Eligibility
Understand which disability program may fit your situation.
Quick Check
These quick checks can help you understand which program may apply to your situation.
I worked and paid into Social Security
You may qualify for SSDI if you have sufficient work credits and a qualifying disability.
My income and resources are very low
You may qualify for SSI if you meet strict income/resource limits and the disability standard.
My condition keeps me from working and is expected to last 12+ months
Both programs use the same disability standard—the key difference is your work history and finances.
Takes about 2 minutes · No obligation · We call back within one business day
No attorney fee unless you win. Fees are approved by Social Security and paid from past-due benefits; you may owe out-of-pocket costs such as record fees.
What's the difference?
SSDI is for people who worked and paid Social Security taxes. Benefits are based on your work record. SSI is for people with very low income and resources, regardless of work history. Both programs use the same medical standard for adults: a condition that keeps you from earning above about $1,690 a month and has lasted, or is expected to last, at least 12 months.
Understanding the Rules
SSDI and SSI have different financial and work requirements, but both require medical proof that your condition keeps you from working enough to earn above Social Security's monthly limit.
SSDI requires work credits
You need enough recent work history and must have paid Social Security taxes.
SSI has strict income limits
Your income and resources must be below specific thresholds set by the SSA.
What Medical Proof Do You Need?
Strong medical evidence is essential for both SSDI and SSI claims. We help you gather and organize everything.
- Doctor's treatment notes and test results (labs, imaging)
- Clear statement from your doctor about your functional limits
- Complete medication list and any side effects
- Consistent medical records showing your condition over time
Let's Determine Your Best Path
Free case review. We'll help you understand which program fits your situation.
Takes about 2 minutes · No obligation · We call back within one business day
Quick answers
What is the difference between SSDI and SSI?
SSDI is insurance for people who worked and paid Social Security taxes; it pays based on your earnings record and leads to Medicare after 24 months. SSI is need-based for people with very limited income and resources and usually comes with Medicaid. Some people qualify for both.
Can I work while applying for disability?
You can work, but earning more than about $1,690 a month in 2026 ($2,830 if blind) is usually treated as substantial gainful activity and can prevent or stop benefits. Below that amount, Social Security still looks at whether your condition limits the work you can do.
How long do I have to appeal a Social Security disability denial?
Generally 60 days from the day you receive the denial notice. Social Security assumes you received it 5 days after the date on the letter. If you miss the deadline, you may still be able to show "good cause," so call an attorney right away.
Reviewed by Tatiana AlexanderLast reviewed