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Can I switch from SSI to SSDI?

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Anonymous
Can I switch from SSI to SSDI?

I'm legally blind and receive SSI because I became disabled before I had any work credits. I've been self-employed since 2012 and believe I'll have enough credits for my age soon. Once I get enough credits for my age, can I switch from SSI to SSDI as long as my earnings don't exceed the limit for SSDI eligibility?

Hi there,

Hi there,
If you are on SSI, it is unlikely that you have been earning enough to later qualify for SSDI. If you do somehow have enough work credits, you can actually earn both at once if your SSDI benefits are less than $733 per month. You can look at our chart on work credits to determine exactly how many you need to qualify: http://www.disability-benefits-help.org/glossary/work-credits

Phillip
How do you determine how many

How do you determine how many work credits that you have?

Hi Phillip,

Hi Phillip,
This will depend on how much income you earn. You earn one work credit per $1,220 of taxable income you've made, but you can only get four per year. So if you've been making at least $5,000 per year, you will have enough work credits to qualify.

Anonymous
I have a permanent condition

I have a permanent condition that causes my disability and am under 24. I have been receiving SSI since I was 18. I am a recent college graduate and working towards my career. Do I understand the chart correctly, that if I earn 6 work credits before I turn 24 then I qualify for SSDI? My SSI is adjusted to $627.50 because I have $83.50 earned income so does that mean I may qualify for both SSI and SSDI since my SSI is under $733? Also please explain Diversions since my most recent NOD for SSI mentions HMA $735 under diversions. Thank you.

Hi there,

Hi there,
You may be eligible for SSDI benefits, however the amount you would receive would be based on the amount you had paid in. If you get SSDI benefits, you would qualify for SSI benefits if the amount you receive for SSDI is less than $735. Also, Diversions may be a part of the benefits that you receive from your state, so you may want to contact the office than handles benefits in your state for more information.

DJM
I recently was on SSI age 63;

I recently was on SSI age 63; can you switch to SSDI after a disabilty with a heart attack and Dialysis 3-times a week?

Hi There,

Hi There,

Those conditions may qualify you for SSDI. In certain cases actually one can receive SSI And SSDI at the same time.

Joe
I’m 40, I have been on ssi

I’m 40, I have been on ssi for 5 years or more, I was short a few credits to qualify for ssdi, I had not worked the past 9-10 years until this year I earned 6000$ getting 4 credits- if I now or in the future have enough credits can I upgrade to ssdi? Or will they say I don’t have enough in the right time period or what? In general is it possible to go from ssi to ssdi if u start earning credits while on ssi??

Hi Joe,

Hi Joe,
You may be able to do so if you have enough work credits.

Ruth Parson
Actually asking for a friend:

Actually asking for a friend: Who has had severe mental illness since childhood. He has been receiving SSI since moving out of a state mental hospital. He has worked on and off at supported part time paid work, for which he paid taxes, for about 15 years. Over the last three years he has worked steadily at the same part time job. He is interested in switching from SSI to SSDI, is this possible? His mental illness is chronic and he manages his illness with medication and therapy. He has never worked full-time and we are concerned that an increase in hours could exacerbate his anxiety and illness. Thank you in advance of your response.

Hi Ruth,

Hi Ruth,

Generally, those mental illness cases are tough to win for SSDI. However, if he has enough work credits, he could be able to qualify for SSDI.

karen fiste
My son is 31 and has cerebral

My son is 31 and has cerebral palsy has not worked and he gets SSI can he get full disabitity

Hi Karen,

Hi Karen,

Unfortunately, he will not be able to qualify for SSDI benefits, since he has no prior work history.

GC
I had a stroke and have not

I had a stroke and have not been able to work in 3 years. I have work credits from my past jobs. But not being able to work I was put on SSI. How can I receive SSI?

Hi GC,

Hi GC,

You should look over the SSA's Blue Book with your doctor to make sure you meet a listing. Then when you are ready to apply, you can apply online or visit your local SSA office to apply in person (make an appointment before you go!). Best of luck!

Anonymous
I've been on ssi for two

I've been on ssi for two years I'm 51 can I get ssdi

Hi there,

Hi there,

It all depends if you have a sufficient amount of work credits. If you do, then you could qualify for SSDI benefits.

Denise
I am 61 & on SSI and am

I am 61 & on SSI and am wondering can I switch to SSDI... I was denied before but now my health is much worse. I’ve worked but I haven’t in over 10 years. Is that an absolute requirement?

Hi Denise,

Hi Denise,

I'm sorry but the work credits are required for SSDI!

Sara Moore
If I receive SSI now, but am

If I receive SSI now, but am returning to work part time this month earning 1000/month steadily as I plan to do over the next 5 years (which equals at least 20 credits), will I be able to apply for SSDI by the time I’m 40? Can you upgrade from SSI to SSDI if you are working part time while still receiving SSI?

Hi Sarah,

Hi Sarah,

There is no "upgrading" from SSI to SSDI as they both have different qualifications. Since you plan on making $1,000 over the next 5 years, you'll be entered into the Trial Work Period. If at the end of the 9 month TWP the SSA finds that you are able to make above the Substantial Gainful Activity allowance, you may lose your SSI. If you are then unable to work and not make the SGA, then you may qualify for SSDI if you then have enough work credits.

Topher
I was receiving ssi benefits

I was receiving ssi benefits but got married, my wife made to much so my benefits were taken away. I am still considered disabled. Apparently I was only 3 credits away from receiving ssdi benefits, and have recently met those requirements. How hard will it be to get ssdi now?

Hi Topher,

Hi Topher,

If you have the work credits then you may be able to receive SSDI. If you were able to work and make a decent living wage then the SSA may find that you are ineligible that way though. Best of luck!

John Iannucci
I am permanently disabled I

I am permanently disabled I did not qualify initially for SSD I have been receiving SSI is there any circumstances in New York state where after receiving 24 months of SSI can it convert to SSD

Hi John,

Hi John,

It is possible, but it depends on the amount of work credits that you have received. To qualify for SSDI, you must have been working and "paid into" social security in the form of taxes.

Donns
My daughter was receiving SSI

My daughter was receiving SSI from age 18 . Her Dad retired early and the representative recommended that she switch to SSDI and collect off of his earning record . At the time she was age 21. Her benefits were suspended in August 2019 due to overpayment . Her Dad earned more than permitted and they both have suspended benefits . They set up a payment plan but
Neither is currently receiving benefits . Social Security said they would start to get paid again in Feb 2020.. My daughter does not work can she switch back to SSI? This was very bad advice so much has happened that has caused her issues... Bad information from Social Security ...They told her that once she Signed a payment agreement that she would start getting back her benefit which has not happened... She needs this money for her living expenses. Can you provide any information on how we can remedy this issue.

Hi,

Hi,

Without more personal information, I cannot give you an exact answer, but I will try to give a general one. I am sure that you are hesitant, but your local SSA office will be the best place to go over her individual case.

SSDI is based on work history, which it does not seem like your daughter will have. SSI is available for those that do not have a source of income. There are very specific income and asset limits. By making an appointment with the SSA, you will be able to go over the assets that she has and the household income that she has.

Fattie
How do you check your work

How do you check your work credits

Hi,

Hi,

This is a good resource that goes in depth into work credits. Work credits are determined by your income and you can earn a maximum of 5 credits per year.

https://www.ssa.gov/planners/credits.html

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