Two different disability programs—SSI and SSDI—are managed by the Social Security Administration (SSA). Is there a difference between the two programs, and can you qualify for both SSI and SSDI monthly benefits?
SSDI is a program for disabled people who have contributed over time to social security before becoming disabled. You will likely qualify if you’re 18 or over and have a long-term disability that keeps you from working.
SSI is a program to supplement low-income or no-income individuals and families, and SSI is a needs-based program with very low income requirements to qualify.
Sometimes, you can simultaneously collect both SSI and SSDI benefits, referred to as concurrent benefits, particularly if you have been approved for SSDI but for a low payment. To qualify for the additional SSI payment, your income must be less than $735 per month and you must have limited assets. Basically, if your SSDI is less than $735, you may qualify for SSI. Your SSDI will be a low payment if you didn’t contribute very much to social security while you were working, so the benefit of having the additional SSI payment is that it will increase your benefit up to $735 per month total.
If you receive SSI, it will be lower to account for the SSDI you are already receiving. You might be wondering: how does the SSA determine if you qualify for both SSI and SSDI monthly benefits? You can apply for both. Your assets and income will be reviewed by the SSA, and then they will designate your claim as concurrent if you qualify.
As an SSDI recipient, you are able to get on Medicare two years after your SSDI eligibility date. Under SSI, you only qualify for Medicaid, which offers more services than Medicare. However, more doctors accept Medicare patients so you might have an easier time finding a doctor.
For both programs, most states—including North Carolina—add a state supplement to the federal amount.
You’ll have to provide several forms of identification, including proof of US citizenship, Social Security number (SSN), and date and place of birth. Additionally, SSDI requires detailed medical information about your diagnosis.
For both programs, you’ll need to disclose to SSA any other benefits you’re receiving, like worker’s compensation or military veteran benefits.
If you think you might qualify for concurrent benefit programs, or just SSI or SSDI alone, and you’re having difficulty making the determination about exactly what you qualify for, give us a call today and we will help you with your claim.