What Is the Difference Between SSI and SSDI in Texas?

 Posted on July 21, 2025 in Social Security Disability

If you are living with a disability in Texas and need financial assistance, you may qualify for Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI). While both programs offer monthly benefits to people with disabilities, they are not the same. Understanding how these programs work can be challenging, but an experienced Dallas, TX disability benefits attorney can help. 

What Is Supplemental Security Income?

SSI is a needs-based program that provides monthly payments to individuals who are blind, disabled, or over the age of 65. To be eligible, you must have very limited income and very few assets. The SSI program is funded by general tax revenues rather than Social Security taxes. SSI is intended to help cover basic necessities like food, clothing, and shelter.

What Is Social Security Disability Insurance?

SSDI is designed for individuals who have become disabled after working and paying Social Security taxes over time. It functions more like an insurance program, offering benefits based on the applicant’s prior earnings. SSDI is available without strict rules for current income or resources, and qualifying individuals can also receive benefits for certain family members, such as dependent children or spouses.

Main Differences Between SSI and SSDI Benefits

The key differences between SSI and SSDI are related to the following factors:

• Eligibility requirements: SSI is for people with low income and few assets, regardless of work history. SSDI requires a qualifying disability and enough earned work credits through jobs covered by Social Security. 

• When benefits begin: SSI benefits typically begin the month after approval. SSDI benefits begin five months after the date your disability began, as described in 20 C.F.R. § 404.315.

• Average benefit per month: SSI benefits are lower, with an average of around $700 per month in 2025. SSDI payments vary by income history, with an average monthly benefit of over $1,580.

• Maximum monthly benefit: As of 2025, the federal maximum SSI payment is $967 per month for an individual. However, the 2025 maximum for SSDI benefits is $4,018 per month.

• Health insurance qualifications: SSI recipients in Texas are automatically enrolled in Medicaid. SSDI recipients become eligible for Medicare after two years of receiving benefits.

Can You Receive Both SSI and SSDI?

Sometimes, you can qualify for both SSI and SSDI. This is known as concurrent benefits, and often applies to people who receive low SSDI payments due to limited work history. In these cases, SSI can supplement their monthly income.

Receiving both types of benefits may also give you access to both Medicaid and Medicare, depending on your circumstances. The Social Security Administration reviews your eligibility for both programs during the application process.

Contact a Dallas, TX SSI Attorney for a Free Consultation

The application processes for SSI and SSDI benefits can be overwhelming, especially when you are dealing with a serious health condition. The Collin County, IL SSDI lawyers at The Law Offices of Coats & Todd bring more than 60 years of combined legal experience to every case. With a strong record of recognition and leadership in organizations such as the National Association of Social Security Claimants Representatives and the Dallas Association of Social Security Claimants Attorneys, our team is well-equipped to guide you through the application or appeals processes. Contact us today at 972-671-9922 for a free, personalized consultation.