A common question is whether you can receive both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), known as “concurrent benefits.” The answer is yes. This option is for individuals whose SSDI payments are insufficient, providing essential financial support.
Understanding how SSI and SSDI work together is the first step to maximizing your support, which is why our team from National Disability Benefits has collected some important info for you here.
Understanding Concurrent Benefits
SSDI is an insurance program funded by your work history and the payroll taxes you’ve paid. Conversely, SSI is a program based purely on financial need, providing support to those with limited resources and income, regardless of their work history.
A concurrent claim occurs when approved SSDI benefits fall below the federal SSI maximum. SSI then supplements the SSDI payment to ensure the individual reaches a minimum income level, governed by the “windfall offset” rule, meaning two full checks are not simply combined.
Key Benefits of Applying for Both Programs
Applying for both programs offers considerable practical benefits beyond just the monthly payment amount. For many beneficiaries, the most significant advantage is the health coverage. Individuals receiving concurrent benefits often qualify for both Medicare (via SSDI) and Medicaid (via SSI). This combination typically provides the most comprehensive health coverage available, significantly lowering out-of-pocket costs for necessary treatments and prescriptions.
SSDI offers retroactive pay up to 12 months before application, whereas SSI back pay typically starts from the application date. Pursuing both increases the potential lump sum payment and offers greater financial stability, ensuring funds even if one program is delayed.
Meeting the Eligibility Requirements for Concurrent Claims
While the advantages are substantial, qualifying for concurrent claims requires meeting stringent financial criteria. The most common obstacle is the income limit. If your calculated SSDI benefit is higher than the current federal SSI maximum, you usually won’t qualify for the SSI top-up because your income is considered too high by SSA standards.
SSI requires strict asset limits; individuals generally cannot have over $2,000 in countable resources (e.g., savings, extra property) to receive concurrent benefits. Crucially, you must explicitly apply for both programs. Failing to check the box for both could result in the SSA processing only one claim, costing you valuable benefits.
Managing the Complexity of a Concurrent Claim
Successfully navigating a concurrent claim means managing two separate administrative processes. You must meet the medical requirements for disability while also satisfying the ongoing financial scrutiny of a welfare program. This requires a significant amount of paperwork, including detailed medical history and financial statements. However, for those living in areas with a high cost of living, this effort is often worthwhile due to state supplements, which are additional funds certain states add to the SSI part of your payment.
Contact Us for Assistance with Concurrent Benefits
Many applicants assume they are only eligible for one program and do not pursue the other. At National Disability Benefits, we specialize in optimizing claims to ensure you receive every dollar and health benefit you are due.
We conduct a thorough review of your work history and financial situation to determine your eligibility for concurrent benefits. If you are ready to secure your financial future, please contact us online today or call 1 (844) 777-0615 for a free consultation.
