Disabled Americans can qualify for both SSI and SSDI.
Both programs are run by the Social Security Administration.
What is the difference between SSI and SSDI?
Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) are both programs for people with disabilities– but they have different eligibility requirements.
SSI has an maximum asset limit of $2,000 for individuals and $3,000 for couples. There are certain things that the SSA grants as an exception. For example, grants, scholarships, loans, money gifts, income tax refunds, food stamps, among other things are not included in your assets or income.
However, wages, unemployment benefits, and other SSA benefits count as income for SSI.
SSDI has a monthly earning limit of $1,350 for most claimants. The SSA allows a nine-month trial period where they can test their ability to work and still be considered disabled.
During this period, there is not an earning limit. On the flipside, SSI claimants do not get a trial period.
How much is the benefit if I qualify for both?
The average SSI monthly benefit is $621, but the maximum monthly payment is $841.
SSDI benefits are a bit more complicated to calculate. The benefit amount depends on when you became disabled, your employment history, and period of eligibility.
Keep in mind that SSI considers SSDI payments as income. If you qualify for both, you could get $500 SSDI and $361 from SSI on a monthly basis. The maximum SSDI benefit for couples in 2022 is $1,261.
If you think you qualify, you can apply online, by calling 1-800-772-1213, or stopping into your local Social Security office.