1. Understanding SSI vs. SSDI

SSDI (Social Security Disability Insurance)

• Based on your work history and Social Security taxes paid
• Does not have income or asset limits, but substantial work activity can disqualify you
• Provides benefits regardless of financial need, as long as you meet the medical and work requirements

SSI (Supplemental Security Income)

• A needs-based program for disabled, blind, or elderly individuals with limited income and resources
• Funded by general federal tax revenues, not Social Security taxes
• In New York, SSI often includes a state supplement, slightly increasing monthly payments

2. When You Can Receive Both SSI and SSDI (Concurrent Benefits)

You may qualify for both programs if:

• Your SSDI benefit amount is low enough that your total income remains within SSI eligibility limits
• You have limited other income and resources, under $2,000 for individuals or $3,000 for couples (excluding certain items like your primary home and car)

For example:

• If you receive a small SSDI payment (due to low lifetime earnings or limited work history)
• And you have little to no other income or savings, SSI can provide additional financial assistance to bring your total monthly income up to the SSI benefit level in New York

3. How Concurrent Benefits Work

If eligible for both:

• You will receive your full SSDI payment
• SSI will supplement your income up to the state-determined SSI payment standard
• Your combined benefit will not exceed the maximum SSI amount for your living arrangement in New York

4. Advantages of Receiving Both

Receiving both SSDI and SSI can:

• Increase your total monthly income
• Qualify you for Medicare (through SSDI) after 24 months and Medicaid (through SSI) immediately in New York
• Provide state SSI supplements for additional assistance with living expenses

5. Reporting Requirements

When receiving SSI and SSDI together, it’s critical to:



• Report any changes in income, living arrangements, or assets to SSA promptly
• Avoid overpayments, which must be repaid and may interrupt your benefits