"FAQs about SSI"

We know readers have various questions regarding SSA’s Supplemental Security Income (SSI) program. We decided to set up this SSI Disability Benefits FAQs page to address the most common questions we get.

The Frequently Asked Questions page is a resource for the SSI program, covering highly searched topics, including:

  • What will SSI payments be in 2023?
  • Can I split my SSI Disability check between two bank accounts?
  • How Long you can get SSI Benefits
  • What happens if you are on SSI and decide to work

More questions will be added as and when we receive reader feedback.

"SSI Disability Benefits FAQs"

SSI Benefits FAQs

Here are the most frequently asked questions about the Supplemental Security Income benefits.

How does Social Security decide if I am eligible for SSI Benefits?

To be eligible for SSI you must prove that you are disabled and that you are financially needy.

First, Social Security looks at your financial situation.

Specifically, they will review your income and resources. If you are a child applying for SSI, Social Security will also look at your parent’s income and resources.

If you are married, Social Security will also look at your spouse’s income and resources.

Next, Social Security looks at your disability.

Can I split my SSI Disability check between two bank accounts?

Currently, the Social Security Administration only allows a direct deposit to a single account (e.g. checking account, savings account, or prepaid card account like Direct Express).

One way to split your payment is to make an arrangement with your financial institution to transfer funds into your other bank accounts.

What will SSI payments be in 2023?

The maximum SSI federal payment for individuals will increase from $841 to $914. For couples, it will increase from $1,261 to $1,371.

Some states offer additional money to SSI beneficiaries, so actual payments may be higher.

The table below shows the maximum annual income you can get in 2023 if you are on SSI:

Recipient 2022 2023 Monthly amounts for 2023
Individual $10,092.40 $10,970.44 $914
Couple 15,136.93 16,453.84 $1,371

What Can I do If I Don’t Recieve my SSI Benefits

If you do not receive your payment on your specified day or date, the Social Security Administration asks that you wait three mailing days before contacting them.

You can contact Social Security at 1-800-772-1213.

What if I get an overpayment?

If you are notified by the Social Security Administration of an overpayment, you have the right to appeal the overpayment decision or request that they waive (not collect) the incorrect payment.

The Social Security Administration may stop the collection of the overpayment if:

  • It was not your fault that you received an overpayment; and
  • Paying it back would cause you financial hardship or be unfair for some other reason.

Can I get Social Security Benefits and SSI?

Yes, you may be able to receive Social Security benefits, in addition to SSI.

However, in order to qualify, your Social Security benefit must be low and meet the eligibility requirements for SSI.

Furthermore, If you get SSI, you also may be able to get other help from your state or county.

For example, you may be able to get Medicaid, food stamps, or some other social services. Call your local social services department for details.

What happens to my SSI Benefits if I go back to work?

The income from your job will increase your countable income, which lowers your SSI benefits.

Generally, for every $2 you earn at work, your SSI goes down by $1.

That’s why most people on SSI who go back to work end up better off.

Those on Social Security Disability Insurance (SSDI) can learn more about work rules here.

How long can I continue to get SSI benefits?

You will continue to receive SSI benefits as long as you are still disabled and meet the income, resource, and other eligibility requirements.

However, from time to time, the Social Security Administration will check to make sure that you still qualify.

During this review, a medical Continuing Disability Review (CDR) looks at whether you are still medically disabled.

In addition, the review will look at your income, resources, and living arrangements.

SSI Disability Benefits FAQs Summary

If you have questions about SSI Disability Benefits, you can ask us in the comments section below.

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