What differentiates SSI from SDI?

The distinction between Supplemental Security Income (SSI) and State Disability Insurance (SDI) lies fundamentally in the work credit requirements associated with each program. SDI is designed to provide benefits to individuals who have a demonstrated work history and have accumulated sufficient work credits, which are typically earned through employment and paying into the Social Security system. This means that individuals must have a certain amount of wages or self-employment income to qualify for SDI benefits, reflecting the contributions they've made over their working life.

In contrast, SSI is a need-based program that does not require individuals to have a work history or earned work credits. Instead, it is geared towards providing assistance to those who are elderly, blind, or disabled and who have limited income and resources. SSI focuses on financial need rather than a person’s work history, making it accessible to individuals who may not have had the opportunity to work or who have faced challenges that have hindered their ability to obtain employment.

This fundamental difference in eligibility criteria is crucial in understanding the social safety nets the two programs provide: SSI supports individuals based on their income situation, while SDI provides benefits to those who have previously contributed via their work.