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What is the earning limit to still qualify for SSI and SSDI?

Qualifying Americans may be able to claim multiple benefits from the Social Security Administration at the same time.

Social Security Administration

Two of those programs are Supplemental Security Income and Social Security Disability Insurance.

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What are SSI and SSDI?

The Social Security Administration (SSA) runs both Supplemental Security Income (SSI), and Social Security Disability Insurance (SSDI). This year, each of these programs saw a 5.9% boost from the cost-of-living adjustment. Both programs are designed to financially support people with disabilities. Find additional details here.

However, the programs do have key differences. The differences lie within the eligibility requirements.

In order to qualify for SSI, an individual can’t have more than $2,000 in assets and couples can’t have more than $3,000. The income limit for SSI is a little tricky, but usually is the same as the maximum benefit each month.

There are also a bunch of payments and earnings that don’t count as part of your income.

For SSDI, the monthly earning limit is $1,350 for most people, but $2,260 for those who are blind.

SSDI claimants are entitled to a 9 month trial period to test their ability to work, During this time, there is no limit on how much you can earn.

However, SSI claimants do not get a trial period.

How much can I get?

It is possible to qualify for both programs. This year, the average SSI benefit is $621 a month, or $7,452 a year. The maximum benefit $841 per month, or $10,092 per year.

calculating SSDI however, is more complicated to calculate. Your exact benefit is determined by:

  • the age you became disabled
  • work history/ average income earned
  • period of eligibility

For SSI, SSDI counts as income. If you think you qualify, you can apply online, by calling 1-800-772-1213, or by visiting your local Social Security office.


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