Understanding SSDI and SSI

Before we dive into whether you can receive both, it’s important to understand the differences between SSDI and SSI:

• SSDI is a program for individuals who have worked and paid into Social Security through payroll taxes. To qualify, you must have a work history and meet specific criteria regarding your disability and how long you have worked.
• SSI is a needs-based program for individuals with limited income and resources who are disabled, blind, or aged 65 or older. It does not require a work history, but you must meet certain financial eligibility criteria.

How You Can Qualify for Both SSDI and SSI

In certain cases, an individual may qualify for both SSDI and SSI benefits. This is known as concurrent benefits. To qualify for both programs, you must meet the eligibility requirements for each:

• SSDI Eligibility: You must have a disability and have worked for a sufficient number of years (generally, 5 years out of the last 10 years). SSDI is based on your past work history.
• SSI Eligibility: Even if you qualify for SSDI, you may still qualify for SSI if your income and resources fall below certain limits. SSI is designed for those with limited financial means.

If your SSDI benefits are low, you may be eligible to receive SSI in addition to your SSDI. This is often referred to as a “top-up” because SSI provides an additional financial benefit to bring your total monthly benefit amount up to the federal SSI standard.

The SSI “Top-Up”

If you qualify for SSDI, but your monthly SSDI benefit is lower than the SSI federal payment standard, you may be eligible for SSI payments as a supplement. This is because SSI helps ensure that individuals with disabilities who have limited income can still receive a minimum amount of financial support.

For example, if your SSDI payment is $600 a month and the federal SSI standard is $914, you could potentially receive $314 in SSI benefits to make up the difference.

Financial Eligibility for SSI

If you are receiving SSDI and want to know if you qualify for SSI, your income and resources will be taken into account. The SSA has strict limits on how much money you can earn or own in assets to qualify for SSI. As of 2025, the income and resource limits for SSI are:

• Income: Generally, you cannot earn more than $1,913 per month in gross income (for an individual).
• Resources: You cannot have more than $2,000 in countable resources (for an individual) or $3,000 for a couple.

How to Apply for Both SSDI and SSI

If you believe you qualify for both SSDI and SSI, you can apply for both programs at the same time. The application process can be complicated, but the Social Security Administration (SSA) allows you to apply for both benefits at once:

• You can apply online at the SSA website.
• Alternatively, you can call 1-800-772-1213 to schedule an appointment at your local SSA office to discuss your application.

When you apply for both SSDI and SSI, the SSA will review your work history and income/assets to determine your eligibility for each program.

How Long Does It Take to Receive Both Benefits?

Receiving both SSDI and SSI benefits can take time. After you apply, the SSA will need to process your application, review your medical records, and assess your income and resources.

• SSDI benefits usually take longer to process than SSI benefits, as they require a detailed review of your work history and past earnings.
• If you qualify for both programs, the SSA may approve your SSDI claim first and then determine if you are eligible for SSI based on your financial situation.

The process can take several months, so it’s important to stay patient and follow up with the SSA if necessary.