Social Security Disability Insurance (SSDI) benefits are only available to people with severe medical challenges. Applicants must show that they cannot work any job and that they have adequate work history to qualify for benefits.
Supplemental Security Income (SSI) is different. SSI benefits may be available to people who have never worked because of their medical conditions, including children. It is also available to older adults who may have limited income during their golden years.
SSI benefits can make a major difference for those struggling to cover basic cost-of-living expenses. Changes to SSI policies implemented in 2024 might make this form of financial support accessible to more vulnerable older adults.
Housing benefits no longer count as income
Prior to 2024, the Social Security Administration (SSA) typically treated housing benefits, including Section 8 benefits and housing subsidies, as income. Receiving housing benefits could make people outright ineligible for SSI benefits or might reduce what they receive.
Many older adults and individuals with limited resources rely on state benefits, including housing benefits, to cover basic expenses. The new SSA rule allows those who may struggle to cover surging housing costs to continue receiving SSI, qualify when they could not previously or increase the benefits that they receive.
Reviewing financial circumstances and state benefits with a professional could help people determine if they may qualify. People with limited income and debilitating medical conditions may be able to retain their housing benefits while simultaneously receiving SSI benefits. People who have support while applying or when reviewing changes to the rules can optimize the resources that help them make ends meet.
