SSI and SSDI payments – Check your bank account if you are receiving disability benefits tomorrow

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are essential programs providing financial support to millions of disabled Americans. As September wraps up, it’s crucial to know the payment schedules and eligibility requirements for both SSDI and SSI recipients, especially with different payment dates and amounts coming up in October.

SSDI Payments

SSDI recipients have one more payday in September, which will be on September 25, 2024. However, this payment is only for certain beneficiaries. To receive your SSDI check on this date, you must meet the following criteria:

• You were born between the 21st and 31st of any month.
• You started receiving SSDI benefits after April 30, 1997.

If your benefits began before May 1997, you will not receive your payment on September 25. Instead, your next SSDI payday will be on October 3, 2024.

SSI Payments

SSI recipients will not receive any payments in September. The next SSI payment will be sent on October 1, 2024, followed by another one on November 1, 2024. For individuals receiving both SSDI and SSI, your SSI payment will arrive on October 1, and your SSDI payment will come on October 3, 2024.

Payment Amounts

The amount of your SSDI payment is based on several factors, including your work history, earnings, and when you applied for benefits. Here are some general guidelines for SSDI payments:

• The maximum SSDI payment is $3,822 per month.
• The average SSDI payment is approximately $1,539 per month.

SSI

SSI payments tend to be lower because they are aimed at individuals with limited income and resources. Your SSI payment depends on your marital status and living situation:

• The maximum SSI payment for eligible married couples is $1,415 per month.
• Individuals can receive up to $943 per month.
• The average SSI payment across all recipients is about $698 per month.

SSI Eligibility

SSI is a need-based program designed to support individuals with limited financial resources. To qualify for SSI, you must meet the following criteria:

• Age or Disability: You must be 65 or older, blind, or disabled.
• Income and Resources: You must have limited income and resources.
• Citizenship: You must be a U.S. citizen, national, or qualified noncitizen (with additional conditions for noncitizens).
• Residence: You must live in one of the 50 states, Washington, D.C., or the Northern Mariana Islands.
• Absence: You must not be absent from the U.S. for a full calendar month or for 30 consecutive days.
• Other Benefits: You must apply for other cash benefits you are eligible for.

SSDI Eligibility

SSDI is available to individuals who meet Social Security’s definition of disability and have earned enough work credits. Key requirements include:

• Disability Status: You must be disabled according to Social Security’s criteria for adults.
• Work Credits: Generally, you need 40 work credits, with 20 earned in the last 10 years before your disability. Younger workers may qualify with fewer credits.
• Citizenship: You must be a U.S. citizen or lawfully present noncitizen.

Upcoming Payments

• SSDI: The next SSDI payment will be issued on September 25, 2024, for those born between the 21st and 31st, and on October 3, 2024, for beneficiaries whose payments started before May 1997.
• SSI: The next SSI payment is due on October 1, 2024, with another on November 1, 2024.

For SSDI recipients born between the 21st and 31st of any month, expect your payment on September 25, 2024. Those receiving both SSDI and SSI will see their SSI payments on October 1 and SSDI on October 3, 2024. Knowing these payment schedules and eligibility rules will help you plan your finances better.

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