The Social Security Disability Insurance and Supplemental Security IncomeA federal supplemental income program funded by general tax revenues (not Social Security taxes). It helps aged, blind, and disabled people who have limited income and resources by providing monthly cash payments to meet basic needs for food, clothing, and shelter. For more information, see Supplemental Security Income (SSI). disability programs are both Federal programs. They are actually the largest of several programs administered by the federal government that provide some sort of assistance to individuals with disabilities.
Cash Benefits for SSDI and SSI
While these two programs are very different, they both provide cash benefits directly to the disabled.
Social Security Disability Insurance (SSDI) provides a cash benefit to individuals who have accumulated enough work creditsAs you work and pay Social Security taxes, you earn credits that count toward your eligibility for future Social Security benefits. You can earn a maximum of four credits each year. Most people need 40 credits to qualify for benefits. Younger people need fewer credits to qualify for disability or survivors benefits. by paying into the Social Security trust fund through payroll or self-employment taxes. SSDI beneficiaries receive MedicareThe federal health insurance program for: People 65 years of age or older. Certain younger people with disabilities. People with permanent kidney failure with dialysis or a transplant, sometimes called ESRD (End-Stage Renal Disease). For more information, see Medicare Benefits and the Official U.S. Government Site for Medicare..
Supplemental Security Income (SSI)A federal supplemental income program funded by general tax revenues (not Social Security taxes). It helps aged, blind, and disabled people who have limited income and resources by providing monthly cash payments to meet basic needs for food, clothing, and shelter. For more information, see Supplemental Security Income (SSI). is a ‘needs based’ program. It provides a cash benefit to disabled individuals who have a financial need as defined by the rules and regulations of the program. SSIA federal supplemental income program funded by general tax revenues (not Social Security taxes). It helps aged, blind, and disabled people who have limited income and resources by providing monthly cash payments to meet basic needs for food, clothing, and shelter. For more information, see Supplemental Security Income (SSI). beneficiaries receive MedicaidA joint federal and state program that helps with medical costs for people with low incomes and limited resources. Medicaid programs vary from state to state. For more information, see Medicaid.gov.
State SSI Supplements
Although SSI is a federal program, I will dirty the waters some by pointing out that most states supplement the SSI benefit with additional payments. In these states, your overall benefit could be higher. SSI state supplemental benefits vary from state to state based on your income, living arrangements and various other factors.
I recommend you reach out to the SSA or your state’s agency to get up to date information. The Social Security Administration has not updated it website in a decade and the information provided below is likely to be outdated.
Download our Social Security Application Checklist to ensure you are meeting deadlines and know crucial details for the best chance at a successful application.
States Administered by SSA
The following states have their supplement administered by the SSA.
If your state is in this list and you have questions about your state SSI supplement, in most cases, you can contact the SSA. If your state is in this group your supplement will automatically be sent to you.
| State | Individual Monthly Benefit | Couple Monthly Benefit |
|---|---|---|
| California | $954.72 | 1,598.14 |
| Delaware | $794 | $1,191 |
| Hawaii | $794 | $1,191 |
| Iowa | $794 | $1,191 |
| Michigan | $794 | $1,191 |
| Montana | $794 | $1,191 |
| Nevada | $794 | $1,191 |
| New Jersey | $825.25 | 1,216.36 |
| Pennsylvania | $794 | $1,191 |
| District of Columbia | $794 | $1,191 |
| Rhode Island | $794 | $1,191 |
| Vermont | $846.04 | $1,289.88 |
The following states have their supplement administered at the state level.
If your state is in this list and you have questions about your state SSI supplement, you will need to contact your state’s agency.
If your state is in this group you may have to take some action with the state in order for the state supplement to kick in.
The following states do not offer an SSI supplement:
| The following states do not offer an SSI supplement |
|---|
| Arizona |
| Mississippi |
| North Dakota |
| Oregon |
| West Virginia |
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