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Concurrent benefits under SSI and SSDI

Aug 13, 2021 |

Many people require the assistance of SSI and SSDI to pay their bills and live a healthy, happy life. They are two different programs with different requirements to qualify for benefits. But for some, they will meet the requirements of both programs and may be entitled to receive benefits under both.

Supplemental Security Income (SSI)

SSI is a federal program which provides financial assistance to those in need. To qualify, an applicant must be either an older adult or have a disability. They must also have a very limited income and few resources. Some states, including Ohio, will provide assistance in addition to SSI if a resident qualifies.

Social Security Disability Insurance (SSDI)

SSDI is administered by the Social Security Administration, just like SSI. It also provides a minimum amount of money to those with a disability. However, unlike SSI, qualifying for SSDI is based on the applicant’s work history. Qualification can also be based on the work history of an applicant’s spouse or parents.

Concurrent benefits

In some cases, a person will qualify for benefits under both SSI and SSDI. Can they receive both benefits at the same time? The answer may be yes.

The maximum benefit for SSI in 2021 is $794 for an individual. Let’s say the person has a limited work history and only qualifies for an SSDI payment of $500 per month. In this case, they could receive an additional $294 benefit via SSI. Essentially, SSI can make up any shortfall from a limited SSDI payment.

Additionally, there is a five-month waiting period between the time an applicant is approved for SSDI and when they begin receiving the benefit. During that waiting period, the applicant could receive full SSI benefits, which would decrease or end when SSDI kicks in.