If they worked, some people eligible for Social Security disability benefits (SSDI) may also qualify to receive a small amount of SSI (Supplemental Security Income). When you’re applying for both benefits, you are making what’s called a concurrent claim. SSI claims are dealt with in precisely the same way an SSDI claim is handled. Both programs use the same definition of disability and an identical evaluation process. You may be able to collect SSI and SSDI at the same time if you receive only a small monthly SSDI payment. This can happen if you haven’t worked much in the last decade, or if you’ve worked at part-time or low-wage jobs. An experienced disability attorney can help you obtain either or both benefits.
At the present time (early 2014), to qualify for SSI in addition to SSDI, your unearned monthly income must be less than $710; however, the limit is higher in some states, and if you work and earn any money, a different limit applies.
How Concurrent Benefits Work and What to Expect
If you qualify for Supplemental Security Income (SSI) and have also worked long enough to be eligible for Social Security Disability Insurance (SSDI), you may be able to receive both benefits at the same time. This is known as receiving concurrent benefits.
However, your SSDI payments are counted as income when determining SSI eligibility. If your SSDI benefit is too high, it may reduce or eliminate your SSI payment. In cases where SSDI payments are lower, SSI may supplement your income up to the allowable federal limit.
Eligibility for these programs can also affect your healthcare coverage. SSI recipients typically qualify for Medicaid, while SSDI recipients become eligible for Medicare after a waiting period.
Because the rules can be complex and each situation is different, working with an experienced Social Security disability attorney can help you understand your options, gather the right evidence, and avoid costly mistakes.
If you are applying for benefits, have been denied, or are unsure about your eligibility, contact an experienced Social Security disability attorney as soon as possible to protect your rights and maximize the benefits available to you.