The Difference Between SSDI and SSI—And Which One You Qualify For

If you're struggling with a disability that prevents you from working, Social Security benefits can be a lifeline. But as you begin the process, one of the first questions you’ll encounter is: “Do I qualify for SSDI or SSI?” Knowing the right answer often means reaching out to a trusted disability lawyer in Knoxville TN.

They may sound similar, but Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are very different programs—and knowing which one applies to you is critical for getting approved. That’s why having a skilled disability lawyer in Knoxville TN on your side can make all the difference.

At Knox Disability Law, attorney John and his team walk East Tennesseans through these options every day. In this post, we’ll break down the differences, help you understand which path is right for you, and explain how a local disability lawyer in Knoxville TN can help you win your case.

What Is SSDI?

SSDI, or Social Security Disability Insurance, is a federal program created for individuals who’ve built up a work history and contributed to Social Security through payroll deductions. To be eligible, you must:

Live with a disabling health condition that prevents you from maintaining employment
Earn sufficient “work credits” through regular contributions to Social Security taxes
Be younger than 67, which is the standard retirement age for full benefits

Work credits are earned through your past employment and are calculated based on both your total income and the number of years you’ve been part of the workforce. Most people need 20 credits earned in the last 10 years—but this can vary by age.

What Are the Benefits of SSDI?

Monthly benefit amounts are determined by your average lifetime earnings
Access to Medicare coverage begins after 24 months of receiving benefits
You could be awarded backpay to cover the period between the official onset of your disability and the date your claim is approved.

For many people, SSDI provides a steady income to cover housing, food, medical care, and more—when work is no longer possible.

What Is SSI?

Supplemental Security Income (SSI) is designed for individuals with minimal income and limited assets, regardless of their work history. It’s commonly used by:

People who haven’t worked long enough—or recently enough—to meet the requirements for SSDI
Children or adults with lifelong disabilities
Seniors over 65 with low income

To qualify for SSI, you must:

Have a disability or be age 65+
Have very limited financial assets—typically no more than $2,000 if you’re single or $3,000 if you're married.
Be a U.S. citizen or qualified resident

What Are the Benefits of SSI?

Monthly payments to help with basic needs
Automatic Medicaid eligibility in Tennessee
May include state supplements in some cases

SSI is needs-based, so your payment depends on your income and living situation. It’s designed to help the most vulnerable members of the community live with dignity.

SSDI vs. SSI at a Glance:

Feature	SSDI	SSI
Based on work history?	Yes	No
Income/asset limits?	No	Yes
Health insurance	Medicare (after 2 years)	Medicaid (immediately)
Monthly benefit amount	Based on earnings	Fixed amount (varies)
Backpay?	Often included	Often included
Eligible for both?	Sometimes	Sometimes

Can You Get Both SSDI and SSI?

Yes—some people qualify for “concurrent benefits” if they meet the work history requirements for SSDI but still have very low income or assets. This may boost your overall monthly benefits and give you access to both Medicare and Medicaid coverage.

John and his team will evaluate your unique situation and advise if you're eligible for one or both programs. That’s why working with a knowledgeable disability lawyer in Knoxville TN is so important.

Common Mistakes to Avoid

Too many people apply for the wrong program—or miss out on benefits they deserve—because they don’t understand the difference between SSDI and SSI. Here are a few common pitfalls:

Applying for SSI when you have sufficient work credits (and would receive more under SSDI)
Not disclosing all income or resources (which can disqualify your SSI application)
Assuming you’re not eligible because of age or part-time work

At Knox Disability Law, a disability lawyer in Knoxville TN takes the guesswork out. John reviews your full case history and points you in the right direction—so you don’t waste time or risk being denied for the wrong reason.

A Lawyer Who Gets It

John isn’t just a disability lawyer in Knoxville TN—he’s a devoted father, a man of faith, and a Tennessee Vols fan who brings heart and grit to every case he handles.

When you sit down with him, you won’t get a sales pitch. You’ll get real answers. Honest advice. And a team that treats you like family.

Let’s Find the Right Program for You

Whether you qualify for SSDI, SSI, or both, don’t go it alone. We’ll guide you through every step of the process with a dedicated disability lawyer in Knoxville TN by your side

Whether you’re just beginning or dealing with a frustrating denial, don’t try to face the SSA alone. Work with a disability lawyer in Knoxville who truly cares.

📞 Call John Dupree, Attorney at Law, today at 865-223-5184

💻 Or book your free case review online at www.disabilitylawyerknoxville.com

No pressure. No hidden fees. Just real answers from a team that puts you first. Let John fight for the benefits you’ve worked hard to earn.

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John Dupree at Disability Lawyer Knoxville is dedicated to helping individuals in East Tennessee navigate the complexities of Social Security Disability benefits. With years of experience and a client-first approach, we’re here to guide you every step of the way.

Visit our website to learn more or call 865-223-5184 to schedule a free consultation.