Social Security Comparisons

A comparison of SS, SSI, and SSDI


There are distinct social security comparisons to keep in mind. While many people do not distinguish between SS (Social Security), SSI (Supplemental Security Income) and SSDI (Social Security Disability Insurance), they are completely different governmental programs. While the all of these programs are overseen and managed by the Social Security Administration, and medical eligibility for disability is determined in the same manner for both the SSI and SSDI programs, there are distinct social security comparisons to keep in mind and differences to consider.

What is SS?
Social Security is part of the retirement plan for almost every American worker. It provides replacement income for qualified retirees and their families. The number of Quarters you worked will determine what your Social Security payment will be in the end. The Social Security deductions from each worker’s paycheck each pay period pays for this retirement income supplied by the Social Security Administration. Almost every worker will receive Social Security Benefits in retirement. Depending upon the age you start to claim your Social Security Benefits will determine how much you will end up receiving. You my apply as early as 62 years of age or wait until after 70 years of age. To Learn more about his, you can go to

As mentioned, the age you begin collecting your retirement benefit affects how much you will receive. There are three important things to know about age when thinking about when to start your benefits.

  • Full Retirement Age – Full retirement age is the age when you will be able to collect your full retirement benefit amount. The full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to 1960, until it reaches 67. For anyone born 1960 or later, full retirement benefits are payable at age 67.
  • Early Retirement Age – You can get Social Security retirement benefits as early as age 62. However, your benefit is reduced if you start receiving benefits before your full retirement age.
  • Delayed Retirement Age – When you delay collecting benefits beyond your full retirement age, the amount of your retirement benefit will continue to increase up until age 70. There is no incentive to delay claiming after age 70.
Social Security Comparisons


Both SSI and SSDI disability programs are separate from regular Social Security, and offer cash benefits for disabled individuals, but the financial eligibility requirements are very different.

The main difference between Social Security Disability (SSDI) and Supplemental Security Income (SSI) is the fact that SSDI is available to workers who have accumulated a sufficient number of work credits, while SSI disability benefits are available to low-income individuals who have either never worked or who haven’t earned enough work credits to qualify for SSDI.

What Is SSI?