VA disability and Social Security Disability Insurance (SSDI) are two major support systems for people living with serious medical conditions — and if you’re a veteran, you might qualify for both.
But while they sound similar, these two programs work very differently.
This guide breaks down the key differences — and how to navigate them without getting overwhelmed.
What Is VA Disability?
VA disability compensation is a tax-free monthly benefit for veterans whose injuries, illnesses, or mental health conditions are connected to their military service.
You don’t have to be totally disabled. You don’t have to stop working.
You just have to show:
- A current condition
- A service connection
- Functional limitations
VA ratings range from 0% to 100% in 10% increments.
🔗 Learn more: VA Benefits Guide for New Veterans
What Is Social Security Disability (SSDI)?
SSDI is a federal benefit program for people who are totally disabled — meaning they are unable to work due to a medical condition that is expected to last at least one year (or result in death).
Unlike VA disability:
- SSDI is not tied to military service
- You must be unable to perform any substantial work
- There is no percentage scale — it’s all or nothing
Key Differences at a Glance
| Feature | VA Disability | SSDI |
|---|---|---|
| Who can qualify | Veterans only | Civilians and veterans |
| Work allowed | Yes (even at 100% rating) | No (must be unable to work full-time) |
| Connection to service | Required | Not required |
| Disability scale | 0%–100% | All or nothing |
| Tax status | Tax-free | Taxable in some cases |
| Appeals process | Through VA channels | Through SSA |
Can You Receive Both?
Yes — if you qualify for both programs independently.
In fact:
- VA benefits don’t reduce your SSDI payments
- SSDI doesn’t count against your VA rating or compensation
This is different from SSI (Supplemental Security Income), which is income-based and may be reduced by VA benefits.
Should You Apply for Both?
If your condition:
- Prevents you from working full-time (SSDI)
and - Was caused or worsened by military service (VA)
…then yes, it often makes sense to apply for both.
But keep in mind:
- SSDI often takes longer and has stricter evidence requirements
- VA claims are more flexible in what they recognize and compensate
- You may need different medical records or exam types for each
What About TDIU?
If your VA rating is below 100% but your condition prevents you from working, you may qualify for TDIU (Total Disability based on Individual Unemployability).
TDIU pays at the 100% rate — and is not the same as SSDI, though both relate to employment impact.
You can pursue TDIU + SSDI simultaneously if appropriate. Woobie can help assess whether that strategy fits your situation.
Final Thoughts: You Have Options — and Rights
Too many veterans assume they only qualify for one program — or that applying for both is “gaming the system.”
It’s not.
You earned your VA benefits through service. You earned your Social Security benefits through work.
And if your health now limits you, you deserve the full range of support available.
Want help deciding which path to pursue first — or how to combine them effectively? Start with the Claims Accelerator. We’ll walk it through with you, step by step.
You don’t have to pick just one.
You just have to pick what’s right —
And we’ll help you claim it all, with confidence.