SSI Disability: Monthly Income Help for Those Aged 65 and Older

SSI disability

The Social Security Administration issues Supplemental Security Income (SSI), Social Security Disability Insurance (SSDI) and retirement payments to eligible beneficiaries. However, SSI is completely different than SSDI because it’s a monthly cash assistance program designed to help low-income Americans. One key difference is that people aged 65+ can qualify for SSI disability payments with little or no work history.

Essentially, SSDI is like taking early withdrawal of your Social Security retirement benefits before you’re old enough to do so. Once you reach your full retirement age, the SSA automatically converts your monthly SSDI payments to retirement benefits. This means that nobody gets both Social Security and SSDI payments at once. It’s impossible. But for people receiving monthly SSI disability, payments don’t stop or convert on your 65th birthday. If you’re over 65 years old, read on to learn how SSI disability payments could help you.

How SSI Disability Helps Those Who Can’t Rely on Traditional Social Security Payments

SSI disability isn’t just for those who don’t have enough work history to qualify for Social Security retirement or SSDI. Others may have to stop working for health reasons but still can’t draw Social Security in their older years, like:

  1. Teachers with pensions that pay less than $1,310/month after age 65
  2. People whose employers didn’t withhold FICA taxes, like bartenders, restaurant servers, truck drivers, contractors and seasonal or temp workers
  3. Those who do qualify for Social Security, but get less than $1,310/month in retirement income. This would likely include:
    • Single retirees
    • Individuals widowed in their 50s/early 60s
    • Anyone drawing benefits on a family member’s work record

Who’s Eligible to Apply for SSI Disability Benefits?

Many older people who are eligible for SSI may not even realize it, but it’s easy enough to find out. To qualify for SSI disability payments, you must have limited income/financial resources and be one or more of the following:

  • Disabled
  • Blind
  • At least 65 years old

If the SSA denied your SSDI claim before you turned 65, now’s a good time to apply for SSI disability. Go back and look over your denial letter right now. Did you receive a technical denial for insufficient work credits? Then you may qualify for SSI disability now that you’re older. If you’re at least 65 and not getting Social Security retirement, apply for SSI — it can’t hurt to try! To check your eligibility online, click the button below to get your free benefits evaluation today. You’ll see whether you pre-qualify for benefits before you start the application process.

How Much Does SSI Disability Pay to Eligible Recipients Each Month?

The maximum monthly SSI disability payment is the same nationwide. This SSI payment maxes out at $794/person, or $1,191/couple. However, not everyone who qualifies for SSI disability gets paid the same amount. You may get more if you live in a state that supplements the federal SSI payment. If your family has other income (like a teacher’s pension), your SSI payment may be less.

Several other things determine whether you may qualify for SSI disability — and how much you’ll get. Those both depend on the following factors:

  1. Current monthly income. This includes any money you receive, such as alimony, earned interest or your spouse’s monthly wages. It also includes the value of items you’re getting from someone else, such as food, transportation and shelter.
  2. U.S. citizenship or lawful residency status. You must be a U.S. citizen or lawful non-citizen resident to collect SSI disability. You must also live in the United States or Northern Mariana Islands, and not leave the U.S. for more than 30 days. Lawful non-citizen and want to confirm your SSI disability eligibility before you apply? call 1-800-375-5283.
  3. The things you own (and their value) must fall below a certain dollar amount. You may qualify for SSI disability if the things you own are worth less than $2,000 and you live alone. If you’re married and live together, the assets you own must be worth no more than $3,000.

Important: The SSA doesn’t count everything you own towards this $2,000 or $3,000 limit when reviewing your application for SSI disability. The SSA does not count the house you’re living in if you own it, and usually doesn’t count your car. However, the SSA does count any cash, bank accounts, stocks and bonds you own.

What Other Assistance May Be Available for Disabled Individuals Age 65 and Older?

In certain states, once you qualify for SSI disability payments, local government provides additional benefits, including extra cash payments:

  • Medical benefits become available to you. In most states, SSI disability recipients automatically get free or deeply discounted medical care through Medicaid once their application’s approved. Medicaid helps pay for your hospital stays, doctor’s bills, prescription drugs, and other health costs.
  • Certain states provide extra cash payments to residents receiving SSI disability. Many states also give certain SSI disability recipients a cash payment in addition to what the SSA pays each month.
  • Grocery bill assistance may also be available to you. Help paying for food/groceries may be available to SSI disability recipients, depending on where they live. In some states, an application for SSI disability benefits also serves as an application for their food assistance program. The program that helps people pay for food every month is called the Supplemental Nutrition Assistance Program (SNAP).

If you’re already over 65, the SSA says that you cannot apply for SSI online. We strongly recommend getting a professional to help you file your application to avoid basic paperwork errors. This help is free, and you can get started by clicking the free benefits evaluation button at the bottom of this article. Nearly 2 in every 5 applicants each year gets turned down for making mistakes on the application forms! Why risk it if you can get professional help filing your claim without paying anything out of pocket?

You May Also Qualify for Legal Assistance

Still have questions? Our lawyers are always happy to set up confidential, in-person meetings or phone calls to answer your questions for free. You’ll never pay for legal advice or help filing your claim. Having a lawyer file your application makes you 2x more likely to get benefits the first time you apply. If you don’t win, you pay nothing — it’s just that simple. If you do win, federal law says that you’ll only pay a small, one-time fee.

Ready to see if you may qualify? Click the button below to start your free disability benefits evaluation now.

Get Your Free Benefits Evaluation