Skip to content
OwedFinder
FAQSeniors & Disability

Can I get SSI and SSDI at the same time?

In most cases, no. You cannot receive both SSI and SSDI at the same time. However, there are rare situations where you might qualify for both programs.

Program rules & income limits
  • Published Sep 18, 2026
  • Reviewed Sep 21, 2026
  • 1 min read
An older couple walking hand in hand down their street

The short answer

In most cases, no. You cannot receive both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) at the same time. Social Security Administration rules prevent you from collecting full benefits from both programs.

Why you cannot get both

SSI and SSDI are two separate programs with different rules:

  • SSDI is based on your work history and the taxes you paid into Social Security.
  • SSI is a needs-based program for people with low income and resources.

If you qualify for SSDI, you generally cannot also get SSI because SSDI payments disqualify you based on income limits.

Rare exceptions

Very few people qualify for both programs at the same time. This might happen if:

  • Your SSDI payment is very low, and your income and resources fall below SSI limits.
  • You live in a state that offers supplemental SSI payments.

Each situation is different, and only the Social Security Administration can determine if you qualify.

What to do next

Apply for whichever program you think you qualify for. You can apply for SSDI if you have a work history, or SSI if you have low income and resources. The application is free. If you qualify for one program but not the other, Social Security will let you know.

Frequently asked questions

What is the difference between SSI and SSDI?

SSDI is a program for people who have worked and paid Social Security taxes. SSI is for people with low income and resources who are disabled, blind, or age 65 or older. You may qualify for one, the other, or neither, but rarely both.

If I get SSDI, can I ever get SSI later?

Possibly, but only if your SSDI payment becomes very low and your other income and resources stay below SSI limits. You would need to contact the Social Security Administration to see if you qualify.

Where do I apply for SSI or SSDI?

You can apply online at ssa.gov, by phone, or in person at your local Social Security office. Applying is free, and the Social Security Administration decides whether you qualify.

Programs in this article

SSIFederal · Social Security AdministrationSSI pays monthly cash to people with limited income and resources who are older, blind or have a disability.SSDIFederal · Social Security AdministrationSSDI pays monthly benefits to people who cannot work because of a disability and who have worked and paid Social Security taxes.

Official sources

  1. Supplemental Security Income (SSI)
  2. Social Security Disability Insurance (SSDI)

Last reviewed Sep 21, 2026. Found an error? Tell us.

Written by

Program rules & income limits

Researched from official agency sources and checked against our editorial policy.

Share this guide

Keep reading

All news and guides