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Can You Get Each SSDI and SSI Incapacity Advantages?

Share this…FacebookPinterestTwitterLinkedin Sure, you may obtain Social Safety Incapacity Insurance coverage (SSDI) and Supplemental Safety Revenue (SSI) on the similar…

By Staff , in Social Security , at June 9, 2021

Sure, you may obtain Social Safety Incapacity Insurance coverage (SSDI) and Supplemental Safety Revenue (SSI) on the similar time. Social Safety makes use of the time period “concurrent” if you qualify for each incapacity advantages it administers.

Nonetheless, drawing SSDI advantages can scale back your SSI cost, or make you ineligible for one. That is as a consequence of variations within the packages’ intent and eligibility standards.

Each SSDI and SSI present advantages to individuals who meet Social Safety’s definition of a incapacity: a bodily or psychological well being situation extreme sufficient to stop you from doing most work for no less than a 12 months. However SSDI supplies funds to disabled individuals no matter their monetary scenario. Qualification is tied to how lengthy you had been employed in work for which you paid Social Safety taxes, and cost quantities are based mostly in your common lifetime earnings.

SSI, however, is needs-based. It pays advantages to people who find themselves disabled, blind or no less than 65 years outdated and have low incomes and restricted monetary sources. It’s unrelated to your employment historical past; you may obtain SSI even in the event you by no means labored or paid Social Safety taxes.

However you may’t get SSI if what Social Safety calls your “countable” revenue exceeds a federally set threshold, which in 2021 is $794 a month for people and $1,191 for {couples}. These figures are additionally the utmost federal SSI funds.

Social Safety considers SSDI and different profit funds to be countable however exempts $20 a month from that tally. Thus, in the event you get an SSDI profit that exceeds $814, you do not qualify for SSI. In case your SSDI cost is lower than that, you could possibly get SSI, however will probably be lowered by many of the quantity of your SSDI.

For instance, suppose you qualify for SSI and for an SSDI good thing about $400. With the $20 exemption, Social Safety will scale back your SSI by $380. You’d nonetheless get $400 a month in SSDI and $414 ($794 minus $380) in SSI.

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