If you’re eligible, you could potentially receive both Supplemental Security Income (SSI) and Social Security Disability Income (SSDI) at the same time. By figuring out whether or not you’d qualify for both, you can gain some peace of mind about your financial situation.
Becoming Eligible for SSI
To receive SSI in addition to your SSDI payment, your unearned income, or your SSDI, needs to be less than $794 per month. It gets more complicated if your state has a higher limit or you’re making money. Some forms of income don’t count towards the monthly limit, while others do. If you have worked the right amount of time to qualify for SSDI and your income and assets aren’t above the maximum limit for SSI, then you could get both at the same time. However, what happens to many people is their SSDI income is so high that they don’t qualify for SSI.
What’s Better: SSDI or SSI?
Typically, you’ll receive more money from SSDI than SSI. Keep in mind that if you’ve qualified for SSI and/or SSDI and also qualify for regular Social Security benefits, the program will only pay out whichever benefit is higher. Sticking with SSDI is likely going to be better for you financially until you reach the full retirement age.
If you have a low SSDI payment every month, then also getting SSI as well could really boost your income. You should contact an SSDI and SSI lawyer who can help you decide which program is best for you.
Working With Schott Law
If you need help applying for SSDI or SSI, Schott Law is here for you. Maggie Schott is an SSDI & SSI lawyer serving Washington and Idaho. Contact us now at (509) 328-5789 to start your application.