Supplemental Security Income is a federal program that provides monthly cash payments to individuals who are aged, blind, or disabled and have very limited income and resources.
SSI vs. SSDI: Understanding the Difference
| Feature | SSI | SSDI |
|---|---|---|
| Funded by | General tax revenues | Payroll taxes (FICA) |
| Based on | Financial need | Work history and credits |
| Income/asset limits | Yes, strict limits | No |
| Health coverage | Medicaid (immediate) | Medicare (after 24-month wait) |
| Maximum monthly payment (2025) | $967 (individual) / $1,450 (couple) | $3,822 |
Who Is Eligible for SSI?
Categorical Requirements
- Aged: 65 or older
- Blind: Central visual acuity of 20/200 or less
- Disabled: Physical or mental condition preventing substantial gainful activity for 12+ months
Financial Requirements
- Income limit: Countable income must be below the federal benefit rate
- Resource limit: $2,000 individual or $3,000 couple
Current SSI Payment Amounts
- $967 per month for an eligible individual
- $1,450 per month for an eligible couple
Florida does not add a state supplement.
How to Apply for SSI
- Start online at ssa.gov
- Complete by phone or in person at the Social Security office at 1072 Herbert Street, Daytona Beach
- Bring Social Security card, birth certificate, proof of income, bank statements, lease, and medical records
Benefits That Come With SSI Approval
- Medicaid — immediate eligibility in Florida
- SNAP benefits — may be categorically eligible via SNAP
- Free and reduced-cost services — many Volusia County programs use SSI status as an automatic qualifier
Common Pitfalls to Avoid
- Exceeding the resource limit — even briefly having more than $2,000 in your bank can trigger an overpayment notice
- Unreported income changes — report within 10 days
- Gifting or transferring assets to stay under the limit can lead to penalties
See What Benefits You Qualify For
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Start Free Assessment →Frequently Asked Questions
Can children receive SSI?
Yes. Children under 18 with marked and severe functional limitations may qualify if household income and resources fall below limits.
Can I receive both SSI and SSDI at the same time?
Yes. If your SSDI monthly payment is below the SSI federal benefit rate, you may receive a supplemental SSI payment.
Will my SSI be affected if I start working?
Working will reduce your SSI payment, but your benefit is reduced by only $1 for every $2 you earn above $65/month.
What is the difference between the resource limit and the income limit?
Resources are things you own (savings, property). Income is money you receive (wages, pensions). Both are evaluated separately.
