Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide critical income for Americans who cannot work due to a medical condition. This guide covers eligibility, the application process, and what to expect.
SSDI vs SSI: Key Differences
SSDI is for workers who have paid into Social Security. SSI is a needs-based program for disabled individuals with limited income and resources. The 2025 federal SSI benefit rate is $967 per month for an individual.
The Appeals Process
If your claim is denied, you have four levels of appeal: Reconsideration, ALJ hearing, Appeals Council review, and Federal Court. The ALJ hearing is where most successful claims are won, with approval rates around 45-55% nationally.