1. Understanding SSI and SSDI

• SSDI (Social Security Disability Insurance) is based on your work history and earnings record. You qualify if you’ve worked enough years and paid Social Security taxes, and your disability prevents you from working.
• SSI (Supplemental Security Income) is a needs-based program for people with low income and limited resources. It does not require a work history.

2. When Can You Receive Both SSI and SSDI?

You may qualify for both SSI and SSDI if:

• You are approved for SSDI, but your monthly SSDI payment is below the federal SSI payment standard, which is about $943 for individuals in 2025 (this amount may vary slightly depending on state supplements or deductions).
• Your countable income and resources fall within SSI eligibility limits. SSI has strict resource limits: $2,000 for individuals and $3,000 for couples (excluding exempt assets like your primary home or vehicle).

In these cases, SSI provides additional support to help meet your basic needs.

3. Example of Concurrent Benefits

For example, if your SSDI monthly payment is only $600 and you meet SSI’s financial criteria, you may receive SSI payments to bring your total monthly income up to the SSI federal standard. The exact amount depends on your income, living arrangements, and other factors.

4. Benefits of Receiving Both

Receiving both SSI and SSDI means:

• You gain access to both programs’ benefits, such as Medicare after 24 months on SSDI and Medicaid eligibility through SSI
• SSI can help cover costs SSDI does not, especially if your SSDI payment alone is too low to meet basic living expenses

5. How to Apply for Both

You do not need to submit two separate applications. When you apply for disability benefits, the SSA automatically evaluates your eligibility for both SSI and SSDI to determine if you qualify for concurrent benefits.

6. Important Considerations

• If your financial situation changes, your SSI eligibility and payment amount may also change, as SSI is needs-based
• Receiving both does not increase your SSDI payment but ensures your total monthly income meets the SSI standard