According to Vibes.okdiario , Disability benefits, such as Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI), provide critical financial support for individuals with qualifying disabilities. In November, there are a few important payment dates and changes to be aware of for both SSDI and SSI recipients.
SSI Payment Update: Black Friday Payday
For SSI recipients, there’s an exciting twist this month. While many beneficiaries have already received their SSI payment earlier in November, the Social Security Administration (SSA) is issuing another payment on November 29, 2024—Black Friday. This payment was originally scheduled for December 1, but since December 1 falls on a Sunday, and SSA offices and banks will be closed, the payment has been moved up to avoid any delays.
SSDI Payment Dates
The SSA has already issued two SSDI payments in November, on November 1 and November 13. If you haven’t yet received your SSDI payment, your payment will be issued on November 20 or November 27, depending on your birth date:
- November 20: If your birthday falls between the 11th and 20th of any month.
- November 27: If your birthday falls between the 21st and 31st of any month.
For SSDI recipients who started receiving benefits after May 1997 or who are also receiving SSI benefits, your payment may be scheduled for December 3, 2024.
SSDI Payments: Amounts and Eligibility
The maximum SSDI payment for those with a long work history who earned the taxable maximum throughout their careers can be up to $3,822. However, this amount is rare, as it applies to workers who have paid into the system for 35 years and earned the highest taxable income during that time. On average, SSDI recipients receive $1,542 per month.
If your SSDI payment is lower than expected, you may qualify for SSI benefits as well, which could increase your financial assistance.
How SSDI and SSI Payments Differ
Funding Sources:
- SSDI is funded through the Social Security Disability Trust Fund, with contributions from workers via FICA taxes.
- SSI is funded by general tax revenues, not tied to individual work history.
Eligibility Criteria:
- To qualify for SSDI, you must have paid enough into Social Security through your work history and meet the SSA’s disability criteria.
- SSI, on the other hand, is designed for those with financial need. Eligibility is based on low income and meeting the SSA’s disability criteria, but it is not tied to your work history.
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Benefit Amounts:
- SSDI benefits are based on your lifetime earnings that were covered by Social Security. The average SSDI payment in 2023 is about $1,700, with a maximum of $3,627.
- SSI payments are calculated based on the Federal Benefit Rate, minus countable income, with any applicable state supplement. The maximum SSI payment for individuals in 2023 is $914 and for couples, $1,371. On average, SSI recipients receive about $700 per month.
What to Do If You’re Not Receiving Enough
If your SSDI payment is lower than expected, you may still be eligible for additional assistance through SSI. If you qualify for both programs, you can receive both SSDI and SSI benefits to help make ends meet.
Final Thoughts
With SSDI and SSI payments scheduled for November, it’s important to understand the specific dates based on your birth date and ensure that you’re receiving the full support you’re eligible for. Be sure to check your eligibility for both programs if you feel your benefits are insufficient, as you may qualify for additional support.
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