How to Receive SSDI and SSI at the Same Time: A Simple Guide

Juilia Ruskin
5 Min Read

The U.S. government provides several types of Social Security benefits to help people with financial needs. This article explains how you can receive both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) at the same time, also known as concurrent benefits.

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What Are Monthly Social Security Checks?

In the United States, government programs offer financial help through monthly checks. These programs can be either federal or state-run. The main types of Social Security benefits are:

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  • Social Security Retirement: This benefit provides income to retirees who are 62 or older and have enough work history. The amount you get depends on your average paycheck before retirement, adjusted for inflation.
  • Social Security Disability Insurance (SSDI): This helps people who have disabilities and cannot work full-time. To qualify, you need to have a documented disability and enough work credits.
  • Supplemental Security Income (SSI): This is a need-based program for low-income people who are blind, disabled, or 65 and older. It provides monthly payments to help with living expenses.

Can You Receive SSDI and SSI at the Same Time?

Yes, you can receive both SSDI and SSI at the same time, which is called concurrent benefits. Here’s how it works:

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  • If your SSDI benefit is lower than the Federal Benefit Rate (FBR) for SSI due to a limited work history, SSI will supplement your income to meet the FBR.
  • Even if you get SSDI, you might still qualify for SSI to help cover additional expenses related to your disability.

Who Can Get Both SSDI and SSI?

The Social Security Administration (SSA) evaluates eligibility for SSDI and SSI separately. Here’s what you need to qualify:

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  • SSDI: You must have a medical disability expected to last at least one year or result in death. You also need enough work credits, which are earned through your work history before becoming disabled.
  • SSI: You must be 65 or older, blind, or disabled with low income and resources. The SSA has specific limits on how much income and resources you can have to qualify.

When determining your eligibility for SSI, the SSA counts your SSDI benefits as part of your total income but only includes half of your SSDI amount.

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How to Apply for SSDI and SSI

To receive both SSDI and SSI, you can apply for either program. During the evaluation process, your eligibility for both will be assessed. Here’s how to apply:

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  1. Online Application: Visit the SSA website and create an account. Complete the application form and attach required documents.
  2. Phone or In-Person Application: Call the SSA to schedule an appointment or visit your local SSA office to apply in person.

Both SSDI and SSI benefits are usually deposited electronically onto a Direct Express Debit card or directly into your bank account. Payment dates vary based on your birth date.

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Sometimes, you might receive two SSI payments in one month if the 1st of the month falls on a weekend or federal holiday. The SSA will send your payment on the last business day before the 1st to ensure you have funds available.

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All We Know

The U.S. government provides financial help through monthly checks from Social Security programs like SSDI and SSI. These benefits support retirees, disabled individuals, and those with low income. You can receive both SSDI and SSI if you meet the eligibility criteria, and applying is simple through the SSA website or local office.

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Can I get both SSDI and SSI at the same time?

Yes, if your SSDI benefits are lower than the SSI maximum benefit, you can receive both.

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What are the main eligibility criteria for SSDI?

You need a medically proven disability and enough work credits.

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Who qualifies for SSI benefits?

Low-income individuals who are 65 or older, blind, or disabled.

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How do I apply for SSDI and SSI benefits?

You can apply online, by phone, or in person at your local SSA office.

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How are payments made?

Payments are deposited electronically onto a Direct Express Debit card or directly into your bank account.

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An up-and-coming tax attorney passionate about educating readers on tax planning and mitigation strategies. Juilia articles offer practical advice and actionable tips to help individuals and businesses navigate the intricacies of tax law with confidence.
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