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Federal law allows someone who qualifies for both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) to receive benefits through both programs simultaneously. You do not have to choose between them, and you can receive monthly payments from both programs for as long as you qualify.
However, the Social Security Administration (SSA) considers SSDI benefits as income, so you must include them in your income calculation for SSI eligibility. If you receive a certain amount through SSDI, you may not qualify for SSI. If you’re unsure what benefits you qualify for or how to apply, our Farmer Morris Social Security Disability lawyer team can assist you.
Understanding SSDI and SSI Benefits
The SSA offers two different disability benefits programs: SSDI and SSI.
Social Security Disability Insurance (SSDI)
SSDI provides monthly benefits to someone with a disability that prevents them from working for at least one year or is expected to result in their death.
SSDI benefits are only available to individuals who have paid Social Security taxes by working. Per the SSA, you generally need to have worked at least five of the last ten years to qualify for SSDI. However, exceptions may apply depending on your age.
Supplemental Security Income (SSI)
SSI is not related to past employment. These benefits are for individuals who are over 65, blind, and/or unable to work due to a disabling injury or illness. SSI benefits are for those with limited income, so someone with substantial assets or adequate income will not qualify.
Which Program Is Harder to Qualify For?
In general, there is no way to gauge whether it is harder to get SSI or SSDI. Every person is unique, and many people will qualify for one program or the other. When someone qualifies for both, they are entitled to pursue both sources of compensation.
What Happens if I Qualify for Both SSDI and SSI?
In many cases, there are several benefits of pursuing both options if they are available. The SSA refers to qualifying for both SSI and SSDI benefits as a concurrent disability claim.
The obvious benefit of qualifying for both SSDI and SSI is that you can expect two sources of income instead of one. When combined, these benefits may provide more money than if you had only qualified for one program or the other.
If the SSA approves both applications, you should start receiving SSI benefits the month after you file your application. Conversely, SSDI generally has a five-month waiting period. When your SSDI benefits begin five months later, your monthly payment from SSI will go down because of your increased income from SSDI.
Additionally, you generally become eligible to receive Medicaid benefits after qualifying for SSI. After two years of receiving SSDI benefits, you will also generally qualify for Medicare.
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How SSDI Benefits Can Impact Your SSI Claim
When you receive concurrent benefits, the SSA counts your monthly benefits from SSDI as income. The asset limit for SSI eligibility is very low, as this program is designed for individuals facing serious financial struggles.
Sometimes, even a tiny increase in your monthly income could push you over the income limit and cost you your SSI benefits. This could result in you receiving less money each month.
Disability benefit calculations are complicated, and you should not try to determine your best option alone. A Social Security disability attorney can help you understand your eligibility for one or both programs.
The best move for you may be to only apply for one program or the other, even if you qualify for both. Your attorney can help you navigate the process and choose the best path that will lead to the highest possible monthly disability payments.
What Happens When You Apply for SSDI and SSI?
If you decide to seek SSDI and SSI benefits, you can apply for both programs simultaneously. Because of the waiting period, SSDI claims will take longer to begin paying, so the sooner you start the process, the better. Applying for SSI at the same time means you can hopefully start getting some benefits right away while you wait on your SSDI claim.
While reviewing your claim, the SSA will:
- Determine whether you have a disability that qualifies for disability benefits
- Calculate your countable income to determine if you qualify for SSI
- Review your employment history to determine if you have sufficient work credits to qualify for SSDI
At the end of the process, they will notify you regarding your eligibility for one or both programs. If the SSA denies one or both of your claims, you can file an appeal. The appellate process is complex, and we do not recommend attempting it alone. With assistance from a disability attorney, you may be able to get the benefits you deserve.
Get Help With Your SSI or SSDI Claim
Qualifying for SSI and/or SSDI benefits depends on numerous factors, and choosing the right approach can impact your financial well-being. While some individuals may qualify for both programs, opting to apply for only one could be the more strategic choice in certain situations. However, most people with disabilities benefit significantly from receiving payments through both sources, maximizing their financial support.
Navigating the intricate process of applying for disability benefits can be overwhelming, but you don’t have to face it alone. At Farmer & Morris Law, PLLC, our dedicated attorneys are ready to help you pursue the benefits you deserve. With in-depth knowledge of disability law, we’ll use our experience to strengthen your case and provide the guidance you need. Contact us today for a free consultation and take the first step toward securing the financial support you’re entitled to.
If you or someone you care about is living with a disability that severely limits their ability to work, Social Security Disability (SSD) benefits may be an essential lifeline. These benefits are designed to provide vital financial assistance to individuals whose medical conditions prevent them from maintaining stable employment. At Farmer & Morris Law, PLLC, we recognize how daunting the SSD application process can be. That’s why our experienced team is here to evaluate your case, determine if your condition qualifies for payments, and guide you through every step. Let us help you secure the benefits you need to build a better future.
