What Is the Lowest Social Security Payment Possible?

Those who qualify can receive two payments from the Social Security Administration (SSA). First is SSI, or Supplemental Security Income, which is a needs-based program providing a monthly check to the blind, elderly, or those enduring a qualified disability. Second is SSDI Social Security Disability Insurance, which is primarily meant for those who have worked but are now disabled. This post explains what the lowest possible combination payment would be for both programs.

How Much Does SSI Pay in Oregon?

The monthly payment amount for the SSI program is based on the “federal benefit rate” (FBR), which for 2021 is $794 per month for individuals and $1,191 for couples if both qualify for SSI. The FBR is the maximum federal monthly SSI payment. The income you receive during the month, minus certain exclusions, can be subtracted from a federal monthly SSI payment.

Concurrent SSI and SSDI Benefits

Applicants who receive a low monthly SSDI payment might receive an SSI payment (to “supplement” as the name implies). For example, if an approved disability applicant receives SSDI monthly benefits of $400, an SSI award could be used to bring a claimant’s total monthly benefits to the minimum SSI amount. The SSDI recipient would receive an additional $414 in SSI to bring the total monthly benefit to $814. For SSI calculation purposes, $20 of the SSDI monthly income is not counted.

This situation, however, is rare due to the SSI asset limits. Also, SSDI is primarily meant for those who have worked in the past, creating monthly income which would push them out of SSI qualification range.


As you can see, qualification for SSI and SSDI can get complicated quickly, and that complication leads to plenty of initial denials. If you fall into that latter category but believe you do qualify for benefits, it’s time to enlist the help of a qualified Social Security claims attorney. Eugene and Albany residents trust Drew L. Johnson, P.C. to help with all of their Social Security needs. Call (541) 434-6466 today to schedule a free consultation.