According to the Social Security Administration (SSA), many people can get SSI and SSDI simultaneously. The SSA refers to this as a “concurrent claim.” Let’s look at what that means and how it’s possible.
What Are SSI and SSDI?
SSDI stands for Social Security Disability Insurance. This insurance provides income benefits when someone becomes disabled and cannot work. SSDI provides monthly benefits to help with living expenses.
To qualify for SSDI, you must have paid enough Social Security taxes. You pay these taxes automatically from your work wages.
SSI is Supplemental Security Income. SSI provides benefits to people with disabilities and older adults who have meager income and resources. To get SSI benefits, you must be one of the following:
- Age 65 or older
- Partially or totally blind
- Unable to work because of a disabling medical condition
According to the National Council on Aging (NCOA), state programs often supplement SSI benefits.
SSI vs. SSDI
The SSA provides both SSI and SSDI programs. However, the main difference is:
- SSI depends on a person’s age or disability and their resources.
- SSDI depends on a person’s disability and work history.
When someone can receive assistance from both programs, we call it concurrent benefits. Many people wonder if they can receive both SSI and SSDI. If you have limited income and resources and work credits, the answer might be “yes.”
SSI is also an option for those with limited income but no work history. For example, someone might become disabled but not have any Social Security work credits through a job. They would not qualify for SSDI, but they might be eligible for SSI benefits.
An older adult (age 65 or above) does not always need to have a disability to apply for SSI. They might qualify if they have low income and resources. However, you must have a total disability to be eligible for SSDI.
How Can You Get Both SSI and SSDI?
You will have to file a claim for both. It’s best to submit applications as soon as you become disabled. To make sure you file correctly, we recommend working with a Social Security Disability lawyer.
You can apply for both SSI and SSDI:
- Online through the SSA website
- At a local Social Security office
- By calling the SSA
Those applying for a disabled child below age 18 cannot apply for SSI online. The same goes for seniors aged 65 and older. However, everyone can apply for SSDI online.
Income and Resources
SSI considers any money that you earn. That includes pension, Social Security benefits, and valuable items someone else has given you. Your state will also affect the income threshold for SSI.
You might be eligible for SSI if the things you own are worth less than $2,000 (or $3,000 for a married couple). The SSA will consider your bank accounts and other money, but not your home or cars.
To get help with your applications, contact John Foy & Associates.
- Our Social Security Disability lawyers have over 20 years of experience.
- We know Social Security front-to-back. We can help you build a strong claim.
- We also will not charge you unless we win you money.
To learn more during a FREE consultation, call (404) 400-4000, or contact us online.
How Much Can You Get From SSI and SSDI?
The SSA reported the basic monthly SSI payment in 2020 as:
- $783 for one person
- $1,175 for a couple
Certain states will provide more SSI payments, so you could get more. If you or someone in your family makes other income, your SSI could be less. The people you live with can also affect your benefits.
Your SSDI benefits will depend on your average lifetime earnings. The SSA will look at how much you have paid into the system. The severity of your disability does not determine how much you get.
The average monthly SSDI payment for 2020 was $1,259. This average can change from year to year. For the most accurate answers, talk to your Social Security Disability lawyer.
When Do SSDI and SSDI Benefits Begin?
SSI benefits usually start on the first full month after you get approval. For example, if you get approved for SSI on February 1st, you’ll begin receiving benefits on March 1st. If you have a “presumptive disability,” you might get benefits sooner.
SSDI benefits take longer to receive. Here are some things to keep in mind:
- The SSA will use your application date as your “onset date.” If you became disabled well before you applied, talk to an SSDI lawyer. They can help you get your onset date changed so your benefits can begin sooner.
- SSDI has a five-month waiting period. You must be disabled for five months from your onset date to receive benefits. Your first payment will be at the start of the sixth month.
- You can get back payments minus the waiting period. You might be able to get benefits for the time you were disabled before applying. However, you will not be able to include the waiting period time.
Some people are eligible for both SSI and SSDI. When you apply for SSI, you will need to apply for SSDI and other benefits. The process can be complicated and confusing. Thankfully, an SSDI lawyer can help.
An experienced lawyer can help you with each application. They can also help you appeal a decision if you get a denial. Don’t assume you don’t qualify without speaking to a lawyer first.
Talk to a Social Security Disability Lawyer for Free Today
At John Foy & Associates, we have 20-plus years of experience helping SSI and SSDI clients. We do not collect a fee unless we win you money. You can get started today without worrying about costs.
To get a FREE, no-risk consultation, call (404) 400-4000, or contact us online.