1. What Are Concurrent Benefits?

Concurrent benefits occur when you qualify for SSDI based on your work history and earnings but your SSDI payment amount is low enough that you also qualify for SSI based on financial need.

2. When Can You Receive Both SSI and SSDI?

You may qualify for both programs if:

• Your SSDI monthly payment is below the SSI federal benefit rate ($943 per month for an individual in 2024, with minor adjustments in 2025).
• You meet the income and asset limits for SSI, which include having resources below $2,000 for an individual or $3,000 for a couple.
• You are disabled under SSA’s criteria for both programs.

3. Why Would SSDI Payments Be Low?

Your SSDI payments might be low if:

• You had limited or low earnings throughout your work history.
• You did not work full-time or long enough to build a high benefit amount.

4. Benefits of Receiving Both SSI and SSDI

• Increased monthly income: SSI supplements your SSDI to bring you up to the SSI payment limit.
• Medicare and Medicaid: You can receive Medicare through SSDI after 24 months and Medicaid immediately through SSI, providing comprehensive healthcare coverage.
• Protection against income gaps: If your SSDI is suspended or delayed, SSI ensures a minimum income.

5. How to Apply for Concurrent Benefits

You do not need to file two separate applications. When you apply for SSDI:

• SSA will automatically evaluate your SSI eligibility based on your income and resources.
• Ensure you provide complete financial and asset information so SSA can determine SSI eligibility accurately.

6. Things to Remember

• SSI has strict resource and income limits. Even small increases in income can reduce your SSI payment.
• Nevada follows federal SSI rules without additional state supplements for individuals, but Medicaid eligibility still applies through SSI.