Social Security Disability Insurance (SSDI) is a Federal disability income program for adults who have worked and now find themselves unable to work due to a disability.
What is Supplemental Security Income?
Supplemental Security Income (SSI) is Federal program for adults and children who meet the definition of disabled and have limited income and resources. It is designed to help aged, blind, and disabled people, who have little or no income; and it provides cash to meet basic needs for food, clothing, and shelter.
How does it work?
Social Security Disability Insurance pays benefits to you and certain members of your family if you are "insured," meaning that you worked long enough and paid Social Security taxes.
Supplemental Security Income pays benefits based on financial need.
The definition of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability.
"Disability" under Social Security is based on your inability to work. We consider you disabled under Social Security rules if:
This is a strict definition of disability. Social Security program rules assume that working families have access to other resources to provide support during periods of short-term disabilities, including workers' compensation, insurance, savings and investments.
Visit SSA’s website to see how they decide if you are disabled.
Refer to this step by step process to apply for disability benefits. You can save your application as you go.
Ready? Have with you:
Download the checklist for the Online Adult Disability Application from the Social Security Administration’s website: http://www.socialsecurity.gov/hlp/radr/10/ovw001-checklist.pdf
Apply for Social Security Disability Insurance
Apply by phone: Call SSA at 1-800-772-1213 from 7 a.m. to 7 p.m. Monday through Friday.
Apply in person: Visit your local Social Security office. (Call first to make an appointment.)
Apply for Social Security Income
There is no online SSI Application. Schedule an appointment with a local Social Security office to file an application. Call 1-800-772-1213 (TYY 1-800-325-0778), Monday through Friday 7 am to 7 pm.
Contact the Social Security Administration by phone Monday-Friday 7:00AM-7:00PM
If you are deaf or hard of hearing, you can call SSA at TTY 1-800-325-0778.
Office of Temporary and Disability Assistance
Division of Disability Determinations
P.O. Box 165
Albany, NY 12260-0165