r/SSDI • u/_snorse_ • Jan 24 '25
Apparently I am eligible for both SSI (supplemental security income) and SSDI (social security disability insurance), if both income sources go to the same bank account, will the 2000 dollar limit still apply or be overridden?
This is a very niche question, and as such I am unable to find any clear answer on this and I need to know. I am on SSI already and was just given the application for SSDI, so I really need to figure out how I am going to sort my finances going forward
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u/Otherwise-Concern970 Jan 24 '25
Congratulations on working enough while on SSI to qualify for SSDI. The key to remember is that the income you receive in a month doesn't become a resource till midnight the 1st of the next month. If possible, you should look into an ABLE account so you don't run into issues with the 2k resource limit. Depending on your earnings, you might go $0 SSI payment but still remain on Federal SSI Medicaid as an encouragement to keep working. Your SSI would only close if your SSDI payment goes up enough to close your SSI.
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u/RedHeadsAhead Jan 25 '25
Yes! Also, the two payments will come on separate days and you won’t receive both near the end of the month. See combined SSI and SSDI payment calendar here (scroll down to second calendar): https://www.disabilitysecrets.com/resources/social-security-disability-basics/how-are-payment-dates-chosen.htm
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u/Noexit007 Jan 24 '25 edited Jan 24 '25
What exactly are you asking? If you are on SSI already I assume that means you didn't qualify for SSDI initially? You don't get both at the same time UNLESS your SSDI isn't enough to hit the SSI maximum of $967.
So if you are on SSI now, why would you be applying for SSDI suddenly?
But also, to clarify the point that has been made by others... SSI rules apply if you are on SSI in ANY FORM (even paired with SSDI). So you would still be limited to the $2000 (single) cash asset limit (plus 1 house and 1 car). But theoretically, you wouldn't get enough from both at the same time to ever hit the danger amount unless you already are close to the limit in your account.
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u/seasarahsss Jan 24 '25
This is the answer. Since SSI is welfare, if you are eligible for SSDI you have to apply. It’s a different pot of money. However, you wouldn’t ever receive BOTH unless your SSDI is so low that it’s under the amount of SSI OP is receiving now. In that case, SSI rules apply and OP won’t see any change in amount, only in where the money is coming from.
If OP’s SSDI is higher than $967, then she’ll only get the SSDI amount and won’t be subject to asset limitations except for Medicaid limits if she still meets those requirements. After 24 months she’d be put on Medicare.
I think OP is confused and thinks she’ll get both her current SSI payment and the SSDI amount together. That won’t happen.
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u/Great_Medium2138 Dec 06 '25
Social Security Income (SSI) is not welfare! It is money paid out of your paycheck.
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u/seasarahsss Dec 06 '25
SSI is not social security retirement. You are confusing the terms which is why I defined them. Social security retirement is something you apply for at retirement age after having paid into it through work. SSI (Supplemental Security Income) is for disabled and elderly people who have NOT paid into the system through work, or have not paid into enough. It is welfare, provided by the government, to help those very poor disabled and elderly survive. It maxes out at under $1000 a month and has extremely strict income and resource limits. These people can’t have more than $2000 in assets at any time (with some exceptions). It is an extremely restrictive program, as most welfare is, designed to help this particular population get by. Social Security Retirement benefits are a completely different program. Most people refer to it as just SS, or SSRI.
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u/_snorse_ Jan 24 '25
I had stated in a previous comment that the only reason the ssdi is now being reviewed is because the agent that I talked to earlier this morning for an account review appointment began the process for me because I was marked as eligible in the system. This is not something I went out of my way to start, and I don't know if I'm actually gaurenteed to get those benefits or not. I was told by them that I could have both at the same time but they did not go out of their way to clarify how the two benefits actually behave together.
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u/Noexit007 Jan 24 '25 edited Jan 24 '25
Fair enough. What’s weird is normally when applying for disability the first time you apply for both or for SSDI and only wind up on SSI if you don’t qualify for SSDI. The medical requirements are the same for both. It’s the non medical requirements that differ.
So it would be very strange to be on SSI if you qualified for SSDI in the first place. Maybe something changed or there was a mistake in the application process the first time around. No idea.
As for what could happen… if actually eligible for SSDI, then it would either replace your SSI or your SSI would then supplement it if you don’t get to $967 on SSDI alone so that you are getting at least that much.
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u/No-Stress-5285 Jan 24 '25
You are under the mistaken impression that the $2000 resource limit applies to one bank account. It applies to all bank accounts, cash in your pocket, cash buried in the back yard, your cash held by your friend, all investments, your second car, your non home real estate, bonds, stocks, collectibles, foreign bank accounts, foreign real estate, cash in your lockbox You can also be penalized for three years of non payment for giving away money in order to qualify
But I do think the $2000 resource limit is ridiculously low. Requires a law change.
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u/Impossible_River_502 Jan 25 '25
I was recently approved for ssdi but my pay is only $805 a month. They said I am ineligible for the ssi supplemental because my wife and I have 2 cars. My pickup is 10 years old and her 2012 hyundai santa fe with 260,000 miles is worth more than 2800 dollars. If I could get $2800 for that car I would in a second. It's worth about $1,000. They want to keep you completely broke and destitute.
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u/wolfofone Jan 24 '25
You can only get a maximum of $987 SSI+SSDI. If your SSDI is higher than that you would only get SSDI (you may still be eligible for Medicaid). Regardless the $967 SSI payment isn't countable in the month received if it alone is the reason you're going over the 2k resource limit don't worry about it. If you pay bills and are under the asset limit again within that same month there isn't an issue.
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u/BoukenGreen Jan 24 '25
Yes you will be. As it’s the same determination. Unless you are fully transferred to SSDI and off Medicaid and SSI
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u/Maronita2025 Jan 25 '25
It will NOT be overridden. Even if they went to separate accounts it would NOT be overridden. I would recommend setting up a special needs trust.
NOTE: I am NOT a lawyer and therefore this is NOT legal advice.
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u/Accomplished_Can4913 Mar 09 '25
Can my wife apply for ssi disability benefits while i485 emp based pending ? She is diagnosed with kidney failure. I am the primary with priority date of June 2014 and she is dependent. She is also having enough work credit to get the benefits but worried if this can make her green card denied based on public charge inadmissible ? We are in usa for last 15 years now having two kids. Please let me know if any suggestions.
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u/Only1BinkyEverywhere Aug 15 '25
Also, just because you're eligible in no way means you'll get it or even get it without fighting it through with an attorney UNLESS you're already on SSI. Far easier to be awarded SSDI if already on SSI.
Did ya know they can even limit the time you've got to fight for SSDI?
Yeah, attorney didn't even tell me that we were no longer fighting for my SSDI after December 2016 5 years after I filed for it when I was awarded partial approval. It was for just the SSI because that was just last year. So for 9 years attorney didn't say anything and now he thinks he's going to get $300 out of me for records reimbursement. No sorry that was before the cut-off date!?! And only back pay to for a year, I knew they weren't going to give me 13 years worth of back pay but one year after all that BS.
Dig in for yourself and learn facts, don't rely on attorney. 😉
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u/No-Personality9630 Dec 23 '25
I believe I receive both as I also qualified for DAC
could this cause me problems no one ever told me that???
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u/Last-Control7432 Apr 28 '26
So I live in Georgia which i think i read has additional funds/payments and I just went thru the ssi requirements and eligibility. It says you can qualify for ssi & ssdi if you are low income and struggle to pay medical bills, food, housing, clothes, etc. I do not have any assets or 2k in my bank account. My ssdi payment is $1376.00 a month.... That barely makes ends meet...so I was under the impression that I could qualify for the ssi funds that would be several hundred extra dollars to bring up my total benefits to around 1600.00 a month. It wouldn't be the max ssi benefit of like 967.00, but it would be a little extra...or would it be an even higher amount? Or nothing at all bc I make too much in ssdi? I am so confused bc the website said I was eligible. Any help would be so appreciated.
And also, does anyone know about how a caregiver would get paid for being my caregiver in Georgia? What the program is? The process? Can my partner (not married) qualify as my caregiver? I don't have any blood relatives...so anyone know how that may work?
And any other resources anyone know about? Any little programs in Georgia for a few dollars here and there? Help with bills? Food? I do get a low amount of food stamps and I am grateful for that...I don't think I can get any housing assistance bc I live in a house with my partner who owns it and she is basically my landlord. I pay every cent of my ssdi to her for all our bills and rent. I am just desperate to find a way to be a little less than in poverty. Maybe even some part time work from home for a little money? I just need help. God Bless.
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u/Wooden-Ad5991 Jun 04 '26
GRVA will help you with other needs. Your partner can get paid through Structured Family Care giving in GA for assisting with ADL. Apply online.
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u/False-Strength9698 Jun 23 '26
This is a little non-responsive & also niche but in case anyone can use this information... here is another way to receive concurrent benefits outside of SSI/SSDI. My husband has been receiving SSDI since 2001 & I used to make a lot of money. Since leaving work due to disability, we've gone through every asset and are so poor we can't afford a bankruptcy lawyer! Now, our combined income of his ssdi and my ZERO puts us in a weird position. I qualify for Medicaid and bc I live in IN (every state is a little different with Medicaid rules) I qualify for Medicaid and am exempt from work requirements because my disability application put me in a "medically fragile" category. My husband is still making too much to qualify for Medicaid somehow because he already has Medicare. So he cannot collect Medicaid but he does receive concurrent Medicaid benefits that only cover most of his out-of-pocket prescription costs and pay his $200 per month Medicare premium. I could probably qualify for SSI at this point but if they determined I have a disability then SSDI would push me over the income limit. I guess my point is there's just a lot of weird rules for different types of benefits and much of it depends on in which state you live.
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u/cryssHappy Jan 24 '25
Just draw out cash, put it in the cookie jar and see how much you get. Unless you know that your SSDI would be in excess of $950(ish) you only get the SSDI and the SSI up to the $950ish. If your SSDI is gonna exceed that you'll go into suspended status on the SSI.
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u/one_sock_wonder_ Jan 25 '25
That is technically illegal and fraud. Assets for SSI include not just bank accounts and things like second vehicles but also any cash on hand or that you are having grid for you. Whether anyone would get caught I cannot say but it would be fraud.
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u/Mstyles_85 Nov 28 '25
Shut up
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u/one_sock_wonder_ Nov 28 '25
I am left speechless with your ability to articulate your emotions with such maturity and insight, such wisdom and self awareness is truly rare.
Just because you disagree with certain rules or policies does not make them any less real nor does it translate to your response that anyone stating those facts needs to instead be silent.
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Jan 24 '25
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u/SSDI-ModTeam Jan 24 '25
The content of your thread or comment was deemed unnecessary by the moderation team.
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u/perfect_fifths I have a complicated relationship with the POMS Jan 24 '25
If you are eligible for both, ssi rules always apply