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SSI & SSDI, how to get both and receive up to $1,261

Disabled Americans have various options for getting income when it comes to their disability. Some collect both SSI and SSDI.

social security card with cash representing SSI and SSDI benefits

SSI is Supplemental Security Income and SSDI is Social Security Disability Insurance.

Both benefits increased this year when the COLA rose by 5.9% following inflation.

The Social Security Administration runs both programs.

Be sure to know exactly what you’re applying for before submitting applications.


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What are SSI and SSDI?

Both benefits help people with disabilities, but the eligibility requirements are different.

If you want SSI, you cannot have over $2,000 in assets individually or $3,000 as a couple.

Income limits vary but are normally the maximum monthly benefit.

A lot of payments do not count as income.


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This includes grants, scholarships, loans, gifted money, tax refunds, food stamps and other help.

Wages, unemployment, and SSA benefits do count as income.

SSDI has a monthly income limit of $1,350 for singles and $2,260 if they are blind.

There’s a 9 month trial period for those on SSDI to work and still get benefits.

There is no limit to what they can earn during the trial period.

SSI does not have the same benefit.


SSI: Social Security & SSI payment schedule

How much you can get if you qualify for both SSI and SSDI

The average SSI benefit is $621 per month in 2022.

The maximum you could get is $841 per month.

For SSDI, the benefits depend on many factors.

This includes the age you were when you became disabled, your employment history, and how long you’re eligible.

In some cases, you can qualify for both and collect two benefit amounts each month.

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