SSI and SSDI are both benefit programs for individuals with qualifying disabilities. The two have different goals and eligibility requirements. You can potentially receive benefits from both programs, but it depends on how much you qualify for in Social Security Disability Insurance payments.
If you are eligible for SSDI, you may want to apply for concurrent SSI benefits. However, it’s essential to remember that your Social Security Disability Insurance payments impact your eligibility for Supplemental Security Income due to guidelines established for SSI.
What is the difference between SSDI and SSI?
Social Security Disability Insurance is an insurance program you likely contributed to throughout your employment history, generally through paycheck deductions. How much you receive in SSDI depends on contributions and work history.
On the other hand, the Supplemental Security Income program is based on needs. You must meet income guidelines to qualify. Each year, the government establishes a maximum monthly benefit amount, and for 2022 those are:
- $841 for individuals
- $1,261 for eligible spouses
- $421 for essential individuals
The rates change every year based on changes in the cost of living.
How does your SSDI benefit impact your eligibility for SSI?
Your SSI amount drops if you receive “countable” income. The Social Security Administration includes SSDI payments among countable income sources. If your SSDI payments are higher than the maximum SSI payments, you won’t qualify for SSI.
If your SSDI payments are lower than the maximum, you can apply for SSI to make up for the difference. The government doesn’t count $20 of your monthly income towards SSI eligibility.