Not sure if you are on SSI or SSDI or a different form of Social Security?
You are not alone. It’s very confusing and many people don’t know.
Here’s a few ways you can figure it out so life will start making a bit more sense:
Types of Benefits
There are two main types of benefits. Both forms are run by the Social Security Administration, so it’s a bit confusing!
ONE: Supplement Security Income – This is usually called SSI. This includes SSI for children, SSI for disabled adults, and SSI for retired people.
TWO: Social Security Benefits – This includes Social Security Disability Insurance, SSDI, Social Security retirement benefits, spousal, widows, survivors, and disabled adult children benefits.
How to Find Out What You are On
Try looking for the words “Social Security” or the words “Supplemental Security Income”
Look Online: If you have an online account at ssa.gov. If you can’t tell, try clicking on the link for “benefit verification letter.”
Call and Ask: You can call Social Security and ask what you are on.
Read Your Mail: Look at any letters they have sent you.
Check Your Bank Statement: Sometimes you can tell by what is written there. Sometimes you can’t.
Payment Calendar: Sometimes you can get a clue by looking at what date you are paid: Social Security Payment Calendar
Medicare or Medicaid: If you are on Medicare, you are definitely receiving some form of Social Security. You are not on SSI only. You may get Medicaid as well.
More Details On Different Kinds of Benefits
SSI. Supplemental Insurance Income. Available for disabled children, adults, and seniors. It is for people who are low-income.
SSDI. Social Security Disability Insurance. Sometimes this is just called “Social Security Benefits” Available for disabled adults. It is for people who have worked and paid taxes.
SSI + SSDI. Some people get a really low SSDI check, so they also get some SSI.
SSI + Another form of Social Security. Some people are on another form of Social Security, but their check is really low. So they also get some SSI.
Disabled Adult Child benefits. For disabled adults who have a parent who is deceased, retired, or also disabled. Disabled Adult Child Benefits. This is sometimes called “Child Disability Benefits”
Spousal and Survivor’s benefit. Social Security also has benefits for widows, spouses, and ex-spouses and children whose parents have died. Sometimes this is just called “Social Security Benefits.”
Social Security retirement – There are a two different types of Social Security retirement. If you are retired, you might be on Supplemental Security Income retirement, or you might be on Social Security benefits retirement, or you might be on both.