Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two separate programs run by the Social Security Administration that provide monthly payments to people with disabilities. SSDI is based on your work history and the taxes you've paid into Social Security, while SSI is a needs-based program for people with limited income and resources. Understanding the difference between these two programs is the first step in finding the right office and information for your situation.
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SSDI currently pays benefits to approximately 8.5 million people, according to Social Security Administration data. The average monthly SSDI payment in 2024 is around $1,550, though this varies based on your individual work history. SSI provides a federal payment amount of up to $943 per month for individuals and $1,415 for couples, with some states adding supplemental payments on top of the federal amount.
Both programs require that you have a medical condition that prevents you from working and is expected to last at least 12 months or result in death. The programs also have work incentive programs that allow people to test their ability to work while potentially keeping some benefits. These include programs like Trial Work Period and Extended Eligibility Period under SSDI, and Plan to Achieve Self-Support (PASS) under SSI.
Your local Social Security office can provide information about which program might be relevant to your circumstances. Office staff can explain how your work history, medical condition, and current financial situation might relate to these programs. They can also provide forms and explain what medical documentation you may need if you decide to pursue benefits.
Takeaway: Before visiting or contacting an office, take time to understand whether SSDI (work-history based) or SSI (needs-based) might be more relevant to your situation. This knowledge will help you ask more focused questions when you reach out to your local office.
The Social Security Administration operates more than 1,200 field offices across the United States, plus additional offices in U.S. territories. Finding your nearest office is straightforward and can be done through multiple methods. The official Social Security website includes an office locator tool where you can search by city, state, or ZIP code. You can visit ssa.gov and use the "Find a Social Security Office" feature, which provides addresses, phone numbers, hours of operation, and directions for each location.
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Many Social Security offices are located in federal buildings, courthouse complexes, or dedicated Social Security facilities. They are typically open Monday through Friday, though some offices have limited Saturday hours. Most offices close on federal holidays. Hours vary by location, but many offices open at 9 a.m. and close between 4 p.m. and 5 p.m. Some offices are busier than others, and wait times can range from 15 minutes to several hours depending on the time of day and day of the week.
If you cannot locate an office near you through the website, you can call the main Social Security Administration phone line at 1-800-772-1213. This toll-free number is available Monday through Friday from 7 a.m. to 7 p.m. Eastern Time. Phone representatives can tell you the address and hours of your nearest office, answer basic questions about programs, and help you schedule an appointment. TTY users can call 1-800-325-0778.
In rural areas where no dedicated Social Security office exists, some services may be available through Social Security agents who work in local community centers, libraries, or county buildings on specific days. The office locator tool will show all available service points in your area. Some offices also partner with community organizations to provide information sessions about Social Security programs.
Takeaway: Use the ssa.gov office locator tool or call 1-800-772-1213 to find exact locations, hours, and phone numbers for offices serving your area. Note the hours and consider calling ahead to ask about current wait times before visiting in person.
When you visit a Social Security office in person, you'll typically check in at a front desk or kiosk. You may be given a number and asked to wait until your number is called. The wait time depends on how busy the office is and what time of day you visit. Early morning visits on weekdays tend to have shorter waits. During your visit, an employee will ask you questions about your situation and the reason for your visit. You should be prepared to discuss your medical condition, work history, and what information you're seeking.
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If you call a Social Security office directly, you may speak with a representative who can answer general questions about programs and procedures. Some questions can be addressed over the phone, while others may require an in-person visit or appointment. Many offices now allow you to schedule appointments in advance, which can reduce wait times significantly. You can request an appointment when you call or sometimes through the Social Security website.
Social Security office staff can provide you with information about programs that may be relevant to your situation, explain what medical documentation you might need, provide forms, and answer questions about how programs work. They cannot make medical decisions about your condition, determine whether you might receive benefits, or tell you what the outcome of any claim would be. Those determinations are made by specialized units after a formal claim is submitted and reviewed.
When you visit or call, it's helpful to have certain information ready. This includes your Social Security number, your date of birth, information about your medical conditions, dates of any surgeries or hospitalizations, names of doctors who treat you, and information about your work history including dates you worked and job titles. You don't need to have everything memorized, but having these details available speeds up the conversation and ensures you get more accurate information.
Takeaway: Plan your visit during less busy times (mid-morning on weekdays), consider scheduling an appointment in advance, and gather basic information about your medical history and work background before you visit or call.
Social Security offices provide a range of informational materials about disability programs. You can request written guides that explain how SSDI and SSI work, what medical conditions are considered disabilities, how the evaluation process works, and what happens if you return to work. The office provides these materials at no cost. Offices also have forms available that explain what information and documentation you would need to submit if you decide to pursue benefits in the future.
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Staff can provide information about work incentive programs that allow people receiving benefits to work and earn money while potentially keeping some or all of their benefits. These programs have names like Ticket to Work, Plan to Achieve Self-Support (PASS), and Impairment Related Work Expenses (IRWE). Understanding how these work incentives function can help you understand whether work while receiving benefits might be possible in your situation.
Offices can explain the appeals process, which describes what happens if someone disagrees with a decision about their case. This includes information about reconsideration, hearing before an Administrative Law Judge, Appeals Council review, and federal court review. Offices also provide information about legal representation and how to find attorneys or non-attorney representatives who work with Social Security cases.
You can also request information about Representative Payee services, which are used when someone needs help managing their benefits. The office can explain how this process works and what responsibilities a Representative Payee has. Additionally, offices provide information about Medicare and Medicaid programs, which are often connected to Social Security benefits, including how these programs work and what coverage they provide.
Takeaway: Request specific written materials about the programs you're curious about, work incentive programs, the appeals process, and any other aspects of Social Security disability programs. Taking home these materials allows you to review information at your own pace.
The Social Security Administration website at ssa.gov contains extensive information about disability programs. The website includes detailed fact sheets about SSDI and SSI, explanations of how medical evaluations are conducted, lists of conditions that may be considered disabilities, and information about the evaluation process. You can access these materials from home, 24 hours a day, without needing to visit an office. The website also includes videos that explain various aspects of Social Security programs in plain language.
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The Social Security website has a section specifically about work incentives that explains Trial Work Period, Extended Eligibility Period, Plans to Achieve Self-Support (PASS), and other programs designed to help people test their ability to work.
This guide is for general information only and is not medical, financial, legal, or other professional advice. For decisions specific to your situation, consult a qualified professional. See our Editorial Policy.