Receiving Both SSI and SSDI
In certain cases, individuals may qualify for both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). These benefits are then called “concurrent.”
SSI is a program benefiting disabled adults and children who have limited financial resources. SSDI is a program that people become eligible for by working and paying Social Security taxes. As you work and pay federal taxes, you accrue what are called Social Security work credits.
Qualifying for Both SSI and SSDI
Although the names may be similar, SSI and SSDI are distinct programs with important differences for eligibility and benefits. SSDI benefits are paid to individuals who cannot work for a year or more due to a disability, and benefits continue until the person is able to work again.
- Be U.S. citizens, U.S. nationals, or be in certain legal alien categories
- Not be confined in a government institution
- Apply for all other payments they are entitled to, such as pensions and Social Security benefits.
For both SSI and SSDI, an individual must meet the Social Security Administration’s (SSA) definition of disability. It is important to note that there are no Social Security benefits for partial or short-term disabilities. There are special rules for children, people with visual impairments, and surviving spouses, but in general, to be considered “disabled” you must meet these requirements:
- You cannot perform any work that you did before.
- SSA determines that you are not able to adjust to another type of work due to your medical condition(s).
- Your disability has lasted or is expected to last for at least one year, or is expected to result in death.
A person’s eligibility for benefits under these programs is dependent on their circumstances, but it is common for a person to receive concurrent benefits. However, there are many special circumstances and exceptions, and you’ll want to discuss your options with an attorney who is experienced with SSDI and SSI benefits.