Get Social Security Retirement and SSI Together: Many retirees wonder if they can receive both Social Security Retirement benefits and Supplemental Security Income (SSI) simultaneously. The short answer? Yes, but there are eligibility rules you need to understand to maximize your benefits.
In this guide, we’ll break down everything you need to know about getting both Social Security and SSI, ensuring you maximize your financial security in retirement.
Get Social Security Retirement and SSI Together
| Topic | Summary |
|---|---|
| What is Social Security Retirement? | A benefit based on your earnings record, available at age 62+ |
| What is SSI? | A needs-based benefit for low-income individuals aged 65+ or disabled |
| Can You Get Both? | Yes, if you meet financial and resource eligibility requirements |
| Maximum SSI Benefit (2025) | $987 per month (for individuals) |
| Income & Resource Limits | $2,000 in assets for individuals, $3,000 for couples |
| Application Process | Apply online or visit a Social Security office (ssa.gov) |
| State SSI Supplements | Some states provide extra SSI benefits—check your state’s program |
| Impact on Medicaid & SNAP | Receiving SSI may also qualify you for Medicaid and SNAP benefits |
Receiving both Social Security Retirement and SSI can provide a financial safety net for retirees with limited income. By understanding the eligibility requirements and application process, you can ensure you maximize your benefits.
If you’re unsure about your eligibility, visit the Social Security Administration website or consult with a financial advisor to plan your retirement income effectively.
Understanding Social Security Retirement Benefits
Social Security Retirement Benefits are based on your lifetime earnings and contributions to the Social Security system. You become eligible at age 62, but the full retirement age (FRA) depends on your birth year (ranging from 66 to 67).
How Social Security Benefits Are Calculated
- The Social Security Administration (SSA) calculates benefits based on your highest 35 years of earnings.
- The maximum monthly benefit for those retiring at full retirement age in 2025 is approximately $3,822.
- If you delay retirement beyond your FRA, you earn delayed retirement credits, increasing your benefits by up to 8% per year until age 70.
What Is Supplemental Security Income (SSI)?
Unlike Social Security, SSI is a needs-based program designed for individuals with limited income and resources.
Who Qualifies for SSI?
- Aged 65 or older
- Disabled or blind (any age)
- Limited income (less than $987/month in 2025)
- Resources below $2,000 (individual) or $3,000 (couple)
SSI is not based on work history. Instead, it provides financial assistance to help cover basic needs, such as food, housing, and medical expenses.
How to Qualify for Both Social Security Retirement and SSI
To receive both Social Security and SSI, you must:
- Be eligible for Social Security Retirement based on your work history.
- Have limited income and resources to meet SSI eligibility requirements.
- Apply for both benefits through the Social Security Administration.
Example Scenario
Let’s say John is 67 years old and recently retired. His Social Security benefit is $800 per month, which is below the SSI income limit. Since John’s resources are below $2,000, he qualifies for SSI to supplement his income.
- Social Security Benefit: $800
- SSI Benefit (Supplemented to $987 total): $187
- Total Monthly Benefits: $987
This means John receives both Social Security and SSI to increase his overall income.
Additional Benefits When Receiving SSI
1. Medicaid Eligibility
- If you qualify for SSI, you are automatically eligible for Medicaid in most states.
- Medicaid covers doctor visits, hospital stays, prescription drugs, and long-term care.
2. Supplemental Nutrition Assistance Program (SNAP)
- Many SSI recipients qualify for food assistance (SNAP).
- Check your state’s income eligibility requirements for SNAP.
3. State SSI Supplements
- Some states provide additional SSI benefits beyond the federal amount.
- Example: California, New York, and Massachusetts offer extra monthly payments.
➡ Check State Benefits: State SSI Supplements
How to Apply for Social Security and SSI
Step 1: Gather Required Documents
- Proof of Age (Birth certificate or passport)
- Social Security Number
- Proof of Income and Assets (Bank statements, pay stubs, property records)
- Medical Records (if applying for disability SSI)
Step 2: Submit Applications
- Social Security Retirement: Apply online at SSA.gov or visit a local SSA office.
- SSI: Apply by scheduling an appointment at 1-800-772-1213 or visiting your nearest Social Security office.
Step 3: Await Decision
- Processing takes 2-6 months, depending on case complexity.
- If denied, you can appeal within 60 days.
➡ Track Application Status: SSA Application Status
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FAQs About Get Social Security Retirement and SSI Together
1. Will my SSI benefits decrease if I receive Social Security?
Yes, your SSI benefits are adjusted based on your Social Security income, but you can still receive both.
2. What happens if I exceed the resource limit?
If your resources exceed $2,000 (individual) or $3,000 (couple), you will not qualify for SSI. Consider spending down excess funds on essential needs.
3. Can I work and still receive SSI and Social Security?
Yes, but SSI has strict income limits. Report any earnings to avoid overpayments or penalties.
4. Do I need to reapply for SSI every year?
No, but the SSA conducts periodic eligibility reviews to ensure you still qualify.
