Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI)

SSDI (Social Security Disability Insurance): Long Term Disability 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. SSDI must determine that you will be disabled for a year or longer.

SSI (Supplemental Security Income): Pays benefits based on financial need. SSI makes monthly payments to people who have low income and few resources and are age 65 or older, blind or disabled (as determined by the Social Security Administration).