Understanding SSDI and SSI

SSDI (Social Security Disability Insurance) is a program based on your work history. If you’ve worked and paid into Social Security long enough, you may be eligible for monthly benefits when a disabling condition prevents you from working.

SSI (Supplemental Security Income) is a need-based program. It provides financial assistance to individuals who are disabled, blind, or aged (65+), and who have very limited income and resources. SSI does not require any work history.

When You Can Receive Both SSDI and SSI

You may qualify for both SSDI and SSI in South Carolina if:

• Your SSDI payments are low due to limited earnings or short work history.
• Your total income falls below the SSI limits (including SSDI).
• You meet the asset/resource requirements for SSI, which are less than $2,000 in assets for individuals and $3,000 for couples.
• You are found medically disabled by the Social Security Administration (SSA).

Benefits of Receiving Concurrent Payments

• Access to both Medicare and Medicaid: SSDI recipients get Medicare (after a 24-month waiting period), while SSI recipients in South Carolina are eligible for Medicaid.
• Increased total monthly income: SSI can supplement your SSDI payments to help you reach the federal benefit rate.
• Automatic SSI payments while you wait for SSDI processing (in some cases).

What to Watch For

• Your SSDI amount may affect your SSI: If SSDI increases (e.g., through cost-of-living adjustments), it could reduce or eliminate your SSI eligibility.
• Reporting is essential: You must report any changes in income, living situation, or assets to the SSA to avoid overpayments.
• SSI includes other types of income (such as family support or housing assistance) when calculating eligibility.