what is the difference between social security and ssi
Social Security and SSI are both run by the Social Security Administration, but they serve different purposes: Social Security is an earned benefit based on work history, while SSI is a needs-based program for people with limited income and resources. Social Security benefits can also help certain family members, while SSI is focused on the individual’s financial need and does not depend on work credits.
Main difference
- Social Security: You qualify by working long enough and paying Social Security taxes; your benefit amount is tied to your earnings record.
- SSI: You qualify by having low income and limited resources, and by being age 65 or older, blind, or disabled.
How they are funded
- Social Security is funded through payroll taxes paid by workers, employers, and the self-employed.
- SSI is funded by general U.S. Treasury revenues, not Social Security trust funds.
Who can get them
- Social Security can cover retirees, disabled workers, survivors, and some family members.
- SSI can cover adults 65 or older, blind people, and disabled adults or children with limited financial resources.
Can you get both?
Yes. Some people qualify for both programs at the same time, especially if they have a disability and a low income.
Simple example
If someone worked for years and paid Social Security taxes, they may receive Social Security retirement or disability benefits. If another person has little or no work history but has very low income and resources and meets age/disability rules, they may qualify for SSI instead.
| Feature | Social Security | SSI |
|---|---|---|
| Based on | Work history and taxes paid | Financial need |
| Income/resources test | No | Yes |
| Funding | Payroll taxes | General tax revenues |
| Family benefits | Possible | No |
TL;DR: Social Security is something you earn through work; SSI is a safety-net benefit for people with very limited income and resources.[3][2]