Understanding the Difference Between SSI and SSDI

• SSDI (Social Security Disability Insurance) is a benefit for people who have worked and paid into the Social Security system. It is based on your work history and earnings.
• SSI (Supplemental Security Income) is a need-based program designed to help people with limited income and resources, regardless of work history.

When You Can Receive Both SSI and SSDI

You may qualify for both programs if:

• You are disabled under Social Security’s rules.
• You have a limited income and few resources (typically less than $2,000 for individuals and $3,000 for couples).
• Your SSDI benefit amount is low—usually because you have a limited work history or earned low wages.

When your SSDI benefit is not enough to meet the SSI income threshold, SSI can provide additional money to bring your total monthly income up to a basic standard level.

How SSI Can Supplement SSDI

For example:

• If you receive $500/month in SSDI, and the SSI limit in New Mexico is $943/month (as of 2024 for individuals), SSI may cover the $443 difference.
• Keep in mind that any additional income or resources you have could affect your eligibility.

Benefits of Receiving Both SSI and SSDI

• Increased Monthly Income: You may get more total monthly benefits.
• Automatic Medicaid Eligibility: In New Mexico, qualifying for SSI also means you’ll likely qualify for Medicaid, which can help cover medical costs not covered by Medicare.
• Back Pay: You may be eligible for retroactive payments depending on when you applied and when your disability began.
  

How to Apply for Both Programs

• You do not need to submit two separate applications. The SSA will determine if you’re eligible for both programs when you apply for SSDI or SSI.
• Be prepared to provide details about:
• Your medical condition,
• Work history,
• Income and assets,
• Living arrangements.

Applying online at ssa.gov is recommended, or you can call your local SSA office in New Mexico.