Massachusetts SSDI vs. SSI:
Understanding Your Disability Benefits
Serving clients throughout Massachusetts, including Boston, Worcester, and surrounding communities
Know the Difference Between SSDI and SSI Before You Apply
Know the Difference Between SSDI and SSI Before You Apply
SSDI and SSI are governed by strict federal guidelines that determine who qualifies for benefits, how much they receive, and how medical and financial eligibility are evaluated. Each program has distinct requirements that must be carefully assessed during the application or appeal process.
At Sullivan & Hartley, P.C., we help individuals understand which program they may qualify for, evaluate eligibility under both systems, and guide them through every stage of the application or appeals process to pursue the strongest possible outcome.
SSDI vs. SSI: What’s the Difference?
Social Security
Disability Insurance (SSDI) :
A federal benefit for individuals who have worked and paid into the Social Security system through payroll taxes.
Sufficient work history and earned work credits
Qualifying medical disability
Condition prevents work for 12+ months or expected to result in death
TO QUALIFY:
Benefits are based on your prior earnings and may extend to certain family members.
Supplemental
Security Income
A needs-based program for individuals with limited income and resources who are disabled, blind, or over age 65.
Strict income and asset limits
Qualifying disability (if under age 65)
U.S. citizen or meet specific residency requirements
TO QUALIFY:
Provides a fixed monthly benefit and may include eligibility for Medicaid.
You may qualify for one or both programs. Contact us for a free evaluation.
Helping You Secure SSDI & SSI Benefits in Massachusetts
Workers’ compensation is a state-required insurance system that provides benefits to employees injured on the job. It is governed by Massachusetts General Law Chapter 152 and applies to nearly all employers.
You do not need to prove your employer was at fault to qualify.
What Medical Conditions Qualify for SSDI or SSI?
To qualify for either SSDI or SSI, you must have a medical condition that meets the Social Security Administration’s definition of disability. Common qualifying conditions include:
Severe back and spinal injuries
Heart disease and stroke
Cancer and terminal illness
Neurological disorders such as multiple sclerosis
Mental health conditions including depression, anxiety, and PTSD
Chronic pain and autoimmune disorders
How We Help You Determine Eligibility
Understanding whether you qualify for SSDI, SSI, or both can be complicated. Filing under the wrong program or submitting incomplete information can lead to delays or denials.
Our attorneys help by:
Evaluating your work history and financial eligibility
Determining which program you qualify for
Preparing and filing complete applications
Gathering medical documentation to support your claim
Advising on next steps if your claim is denied
Frequently Asked Questions About
SSDI vs. SSI
The main difference is that SSDI is based on your work history and earnings, while SSI is based on financial need. SSDI recipients must have paid into Social Security, while SSI is available to individuals with limited income and resources.
SSDI benefits vary based on your past earnings, while SSI provides a fixed monthly payment set by the federal government. The exact amount depends on your financial situation and eligibility.
Yes. In some cases, you may apply for both programs simultaneously. Social Security will evaluate your eligibility for each and determine whether you qualify for one or both benefits.
Both SSDI and SSI have strict medical requirements. Approval depends on the strength of your medical evidence and your ability to demonstrate that you cannot work.
Speak With a Massachusetts Disability Attorney
If you are unsure whether you qualify for SSDI or SSI, or need help applying for benefits, experienced legal guidance can make the process easier and more effective.