US 2028 SSDI vs SSI

2028: SSDI based on work credits + disability. ~$1,600/mo avg. SSI means-tested + asset cap $2k single. Up to $967/mo (federal). State supplement varies.

SSA work credits accumulated

Age at disability

Countable assets ($)

Monthly unearned income ($)

SSDI

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SSI

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Work credits	—
SSDI eligibility	—
SSI eligibility	—
SSDI estimate	—
SSI estimate	—

SSDI vs SSI 2028: SSDI based on work credits (typically need 40 credits = 10 years work). Average benefit ~$1,600/month, calculated from lifetime earnings. SSI is means-tested: asset cap $2,000 single / $3,000 couple + income limit. Federal SSI max $967/month single. State supplements vary. 60-70% initial applications denied — appeal critical.

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Last updated May 2026. Sources: SSA.