Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are the two primary programs offered by the Social Security Administration (SSA) to those who are unable to work because of disability. If you are aware of the benefits and eligibility conditions for each program, it can be easier to ascertain whether you are eligible to receive SSDI and SSI concurrently.
SSDI Explained
If you have paid into the Social Security system and have a suitable work history, but your condition prevents you from working, you may be eligible for SSDI. The recipient’s track record of earnings determines benefits. To be eligible, you must have had Social Security-covered employment and have a medical condition that satisfies the administration’s stringent disability requirements.
How Social Security Retirement Works
Social Security Retirement benefits are designed for individuals who have reached retirement age. These benefits are based on your earnings record, not on a disability. The amount you receive depends on your work history and total contributions to Social Security over your career.
SSI Overview
SSI offers financial support to those who are old, blind, or disabled and have low incomes and resources. Unlike SSDI, SSI is a needs-based program that does not require a job history. The combination of income, resources, and disability status determines SSI eligibility. For individuals who qualify, the program guarantees a minimum amount of income.
Eligibility and Benefits
SSI
For someone to be eligible for SSI, their income and resources must be restricted. The monthly SSI payment standard for individuals increased from $914 in 2023 to $943 in 2024. The monthly regular payment for couples is now $1,415, up from $1,371 in 2023.
SSDI
SSDI eligibility requires a disability that prevents you from engaging in substantial gainful activity. The condition must be expected to last at least 12 months or result in death. You also need to have earned enough work credits. The amount of SSDI benefits is based on your Social Security earnings record.
Advantages of Receiving Both SSI and SSDI
Receiving both SSI and SSDI can provide greater financial security. Dual enrollment ensures access to Medicare and Medicaid, offering comprehensive healthcare coverage and economic benefits.
Is It Possible to Get SSI and SSDI Simultaneously?
Yes, you can benefit from SSI and SSDI if you meet the eligibility criteria for each program. This is common among those with a limited work history, resulting in lower SSDI payments. In such cases, SSI is a supplement to bring your income to a minimum standard of living.
Applying for Benefits
SSDI Application Steps
- Determine Eligibility: Confirm that your condition meets the SSA’s definition of disability and that you have enough work credits. The SSA’s Benefit Eligibility Screening Tool (BEST) can help.
- Gather Documentation: Collect necessary documentation, including medical records and work history.
- Submit Your Application: Apply online, over the phone, or in person at a local SSA office. Online applications are convenient, but other methods are available if needed.
- Follow-up: Track your application status and be ready to provide additional information if the SSA requests.
SSI Application Steps
- Check Eligibility: Use the BEST tool to see if you qualify for SSI based on income, resources, and disability status.
- Prepare Documentation: Gather documents proving your eligibility, focusing on financial status, living situation, and medical condition.
- Submit Your Application: Start your SSI application online for adults with disabilities. Completing the process may require phone or in-person contact with the SSA, especially for applications involving children or those over 65 without disabilities.
- Stay Engaged: Contact the SSA and swiftly address any inquiries for more details or clarification.
Both application processes require detailed and accurate documentation, particularly regarding your medical condition and how it affects your ability to work or live independently. Understanding and closely following SSA guidelines is critical to avoid delays or denials.
Contact Plan Benefits for Support with Filing and Learn More About Eligibility and Benefits
Please speak with a Plan Benefits counselor before applying for SSI and SSDI; their assistance can be beneficial. These experts can help with the application process, eligibility clarification, and suggestions for optimizing benefits. For candidates in need of financial help due to a disability, knowing that concurrent benefits may be available can make a big difference. For assistance with submitting or to learn more about your eligibility and benefits, Contact Plan Benefits.
