Did you know that you might qualify for Supplemental Security Income (SSI) even if you’re already receiving Social Security benefits? It’s true! In fact, around 2.5 million people—adults and children—receive both SSI and Social Security at the same time. Let’s break down who’s eligible and how these programs work.
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What’s the Difference Between SSI and Social Security Benefits?
- Social Security Benefits: These payments are based on your work history and earnings. They’re available to workers and their eligible family members, like spouses, children, or survivors.
- Supplemental Security Income (SSI): This is a needs-based program that helps people with little to no income and resources.
Can You Get Both?
Yes! You might qualify for SSI and Social Security benefits, especially if you meet the income and resource limits set for SSI. This applies to adults and children who are eligible for Social Security disability, retirement, or survivors benefits.
Who Can Get SSI?
Here’s a quick look at SSI eligibility requirements:
For People Younger Than 65:
- You must be blind or have a qualifying disability.
- You need to meet income and resource limits (more on that below).
For People 65 or Older:
- You don’t need a disability.
- Your income and resources must still be below the SSI limits.
Fun fact: About 1.4 million people aged 65 and older receive both SSI and Social Security benefits!
What Does “Little or No Income” Mean?
To qualify for SSI in 2025, your total income—including Social Security benefits—needs to be less than $987 per month. This amount includes the federal SSI benefit rate ($967) plus a $20 monthly allowance for other income.
When calculating your income, the Social Security Administration (SSA) considers:
- Non-work income, such as pensions, veterans’ benefits, unemployment, and Social Security payments.
- Some—but not all—earnings from work or self-employment.
What Does “Few Resources” Mean?
Your resources are things you own that could be turned into cash, like:
- Extra vehicles (if you own more than one).
- Bank accounts, stocks, and bonds.
The resource limits for SSI are:
- $2,000 for a single person.
- $3,000 for a married couple living together.
When determining eligibility, the SSA may also look at your spouse’s income and resources if you’re married.
What’s Excluded?
The SSA doesn’t count everything you own. For example:
- Your primary home is not counted.
- One car is usually not counted.
Also Read: SSI Payment 2025: SSI Direct Deposit into Bank Account
What About Health Coverage?
Good news! If you qualify for SSI, you’re generally eligible for Medicaid, which is state-run health coverage.
If you receive Social Security disability benefits, are 65 or older, or have kidney disease, you may also qualify for Medicare, the federal health insurance program. It’s even possible to have both Medicaid and Medicare!
How to Check Your Eligibility
Think you might qualify for SSI? Visit the SSI webpage to learn more and find out how to apply. You can also call the SSA at 1-800-772-1213 (Monday through Friday, 8:00 a.m. to 7:00 p.m.).
If you’re unsure about your eligibility, don’t hesitate to reach out for help. And don’t forget to share this info with friends or family members who might benefit!
