Can I Get Both SSI and SSDI? Concurrent Benefits Explained

Can I Get Both SSI and SSDI?

Can I get both SSI and SSDI? Yes, you can receive both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) simultaneously through what’s called “concurrent benefits.” This situation occurs when your SSDI payment is low enough to qualify for SSI supplementation based on financial need.

Many disabled individuals wonder about receiving dual benefits because they have limited work history or low lifetime earnings. Understanding concurrent benefits helps maximize your monthly disability income when you qualify for both programs simultaneously.

Eligibility Requirements: Qualifying for Both Programs

To receive concurrent benefits, you must meet the eligibility criteria for both SSI and SSDI separately. SSDI requires sufficient work credits earned through employment and Social Security tax contributions. SSI requires meeting strict income and asset limitations regardless of work history.

SSDI Eligibility Requirements

• Sufficient work credits (typically 40 credits with 20 earned in last 10 years)
• Medical condition lasting 12+ months or resulting in death
• Inability to perform substantial gainful activity
• Work history with Social Security tax contributions

SSI Eligibility Requirements

• Limited income below $943 monthly for individuals
• Resources under $2,000 for individuals ($3,000 for couples)
• Disability meeting Social Security’s medical criteria
• U.S. citizenship or qualified alien status

Payment Calculations: How Concurrent Benefits Work

When you qualify for both programs, SSI supplements your SSDI payment to reach the federal benefit rate. Can I get both SSI and SSDI at full amounts? No, SSI reduces its payment dollar-for-dollar based on your SSDI income, minus specific exclusions.

The Social Security Administration calculates your SSI payment by subtracting your SSDI amount from the maximum SSI benefit. For example, if you receive $600 in SSDI and the SSI rate is $943, your SSI payment would be $343 monthly, totaling $943 combined.

Concurrent Benefits Calculation Steps

1. Determine your monthly SSDI payment amount
2. Apply SSI income exclusions ($20 general income disregard)
3. Subtract remaining SSDI from maximum SSI benefit rate
4. Receive the difference as your SSI supplement

Real-World Examples: Concurrent Benefits in Action

Consider Maria, who worked part-time for many years and qualifies for $400 monthly SSDI. Can I get both SSI and SSDI in this situation? Yes, Maria also receives $523 in SSI ($943 – $400 SSDI – $20 exclusion = $523), bringing her total to $923 monthly.

Another example involves John, whose SSDI payment is $700 monthly. He receives $223 in SSI supplementation ($943 – $700 – $20 = $223), totaling $923 combined. These examples show how SSI fills the gap when SSDI payments fall below the federal benefit rate.

Application Process: Getting Both Benefits Simultaneously

You can apply for both programs at the same time through the Social Security Administration. Can I get both SSI and SSDI by filing separate applications? While possible, filing simultaneously streamlines the process and ensures you don’t miss potential benefits.

The SSA automatically evaluates concurrent benefits eligibility when your SSDI application shows low expected payments. They’ll assess your financial situation against SSI requirements and approve supplemental benefits if you qualify. This process typically doesn’t require additional paperwork beyond standard disability applications.

Final Determination: Maximizing Your Disability Benefits

Can I get both SSI and SSDI depends on your specific work history and financial circumstances, but many disabled individuals qualify for concurrent benefits. These dual payments provide crucial financial support when SSDI alone doesn’t meet basic living needs.

Understanding concurrent benefits ensures you receive maximum disability income available through federal programs. Professional guidance helps navigate complex eligibility requirements and application processes for optimal benefit outcomes.

Get Benefits Today: Secure Your Concurrent Payments

Don’t leave money on the table when you might qualify for both SSI and SSDI concurrent benefits. Visit social security disability to connect with experienced disability attorneys who can evaluate your eligibility and maximize your monthly payments. Start your application process today and secure the benefits you deserve.