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If you live in Michigan and can no longer work due to a disability, you may be exploring your options for government support. Two common programs are Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI)—but many people are confused about how these programs differ, who qualifies, and whether they should apply for one or both. At Grech Law Firm, we focus exclusively on helping Michigan residents navigate disability benefits, and we understand the importance of choosing the right path from the outset.
In this article, we’ll break down the key differences between SSI and SSDI, explain how eligibility is determined, and help you decide which program may be best for your situation.
What Is SSDI?
Social Security Disability Insurance (SSDI) is a federal program designed for people who have a work history and have paid into the Social Security system through payroll taxes. In other words, SSDI is a form of disability insurance that you earn by working.
To qualify for SSDI in Michigan, you must:
- Have a medical condition that meets the Social Security Administration’s definition of disability
- Be unable to perform any substantial gainful activity due to your condition
- Have earned enough work credits based on your age and recent work history
In most cases, you need to have worked at least five out of the past ten years before becoming disabled. The amount you receive in monthly SSDI payments is based on your earnings record. While every case is different, most recipients in Michigan receive between $1,300 and $1,600 per month.
After receiving SSDI for 24 months, you become eligible for Medicare, regardless of your age.
What Is SSI?
Supplemental Security Income (SSI) is a needs-based program that helps individuals with disabilities who have limited income and few assets. Unlike SSDI, SSI does not require any work history. Instead, it focuses entirely on financial need.
To qualify for SSI in Michigan, you must:
- Be either disabled or over the age of 65
- Have very limited income (typically under a few hundred dollars per month)
- Own very few assets (less than $2,000 in countable resources for individuals, or $3,000 for couples)
- Be a U.S. citizen or fall into a qualifying non-citizen category
SSI payments are typically lower than SSDI payments. In 2025, the federal maximum for SSI is $943 per month for individuals, although some Michigan residents may receive a slightly higher amount depending on their living arrangements. SSI recipients are automatically eligible for Medicaid, which can provide critical health coverage for those with chronic or disabling conditions.
Can You Qualify for Both SSI and SSDI?
Yes, in certain situations, you may be eligible for both SSI and SSDI simultaneously. This is known as receiving “concurrent benefits.” This usually applies if your SSDI benefit amount is relatively low due to a limited or inconsistent work history. If your SSDI payment is below the maximum SSI threshold and you meet the financial requirements, SSI may help make up the difference.
Choosing the Right Program for You
Whether you should apply for SSI, SSDI, or both depends on a few key factors:
You should consider SSDI if:
- You have a steady work history and have paid into Social Security
- You’ve become disabled and can no longer work
- You’re under age 65 and meet the SSA’s definition of disability
You should consider SSI if:
- You don’t have a work history or haven’t worked enough recently
- Your income and assets are very limited
- You are disabled, blind, or age 65 or older
You should consider both programs if:
- You qualify medically as disabled
- You have worked in the past but earned relatively low wages
- Your SSDI payment may be too low to support your basic needs
Understanding the Application Process in Michigan
Regardless of whether you apply for SSI or SSDI, your initial application will go through the Social Security Administration (SSA). In Michigan, disability claims are processed by Disability Determination Services (DDS), which reviews your medical records and other evidence to decide whether you qualify.
Unfortunately, the majority of initial applications are denied. That’s why it’s critical to be thorough and submit all supporting documentation. If your claim is denied, you can appeal the decision and request a hearing before an administrative law judge. The appeals process can be time-consuming and stressful, but you don’t have to go through it alone.
How Grech Law Firm Can Help
At Grech Law Firm, we focus exclusively on disability law and have helped thousands of Michigan residents obtain the benefits they need. From the initial application to appeals and hearings, we handle the details so you can focus on your health. We know how the SSA evaluates claims, and we fight for our clients every step of the way.
There are no upfront fees—you only pay us if we win your case.
Talk to a Michigan Disability Lawyer Today
If you’re not sure whether you qualify for SSI, SSDI, or both, don’t guess—talk to a disability attorney who understands the system. At Grech Law Firm, we’ll evaluate your case, explain your options, and help you file a strong claim. Whether you’re just getting started or you’ve already been denied, we’re here to help.
Contact Grech Law Firm to schedule your free consultation with a Michigan disability attorney who puts your needs first.