Understanding SSDI and SSI When You Move States

How SSDI and SSI Work Across State Lines

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two separate federal programs that provide monthly payments to people with disabilities, but they operate very differently when you move between states. Understanding these differences is crucial because your benefits and the rules governing them may change depending on where you live.

Learn About Luxury One Bedroom Apartment Costs Hopewell Junction →

SSDI is based on your work history and Social Security contributions. If you worked and paid Social Security taxes before becoming unable to work, you may have been receiving SSDI payments. The amount you receive stays the same no matter which state you live in, because SSDI is a federal program with uniform payment rules. However, certain state-specific factors can affect your situation indirectly.

SSI, by contrast, is a needs-based program that considers your income and resources. Because SSI is jointly funded by the federal government and individual states, different states can set their own payment amounts above the federal minimum. This means moving to a different state could change your monthly SSI payment. For example, California and New York typically offer higher state-supplemented SSI payments than states that only pay the federal minimum amount.

Both programs have strict rules about how much money you can earn and own while receiving benefits. These resource and income limits are set at the federal level, but some states have additional rules that apply only within their borders. When you move, you need to understand both the federal rules and any state-specific regulations that might affect your situation.

The Social Security Administration (SSA) reported that as of 2023, approximately 8 million people received SSDI payments, while about 7.3 million people received SSI. Many individuals receive a combination of both SSDI and SSI payments, sometimes called "concurrent beneficiaries." Each program has its own rules about work, reporting requirements, and how changes in your life situation affect your payments.

Practical takeaway: Before moving states, contact Social Security to learn how your specific situation might change. Your benefits amount, work rules, and reporting requirements may differ depending on your destination state.

SSDI and Interstate Moves: What Stays the Same

One of the most important facts to understand is that your SSDI payment amount will never change because you moved to a different state. SSDI is entirely federal, funded through payroll taxes that workers and employers pay across the country. The Social Security Administration calculates your benefit amount based on your lifetime earnings record, not on where you live. Whether you move from Maine to Hawaii or from Texas to Vermont, your monthly SSDI check remains identical.

Free Dental Implant Information Guide for Hunt Valley →

Your SSDI work incentives also remain the same nationwide. Programs like the Plan to Achieve Self-Support (PASS) and the Impairment Related Work Expenses (IRWE) deduction exist in every state and follow federal rules. These programs allow you to set aside income and expenses while working without losing your benefits. A person using a PASS program in Ohio can move to Florida and continue their PASS plan under the same rules and guidelines.

Your medical review schedule—the frequency with which Social Security reevaluates whether you still meet the disability standard—does not change based on your state of residence. If you are scheduled for a medical continuing disability review, that schedule continues regardless of where you move. Similarly, your reporting obligations to Social Security remain consistent. You must still report changes in your circumstances, such as returning to work, changes in living arrangements, or receipt of other benefits.

The federal resource and income limits for SSDI are the same in every state. As of 2024, there is no resource limit for SSDI recipients (meaning you can own unlimited assets), and the monthly income exclusions remain consistent nationwide. For example, the general income exclusion of $65 per month plus half of remaining earnings applies in every state without variation.

Your Social Security account number and beneficiary status follow you anywhere you move. You do not need to reapply for SSDI when relocating. Your case file remains active with Social Security, and your payments will continue as scheduled as long as you remain eligible and continue meeting the program's requirements.

Practical takeaway: Your SSDI payment amount and federal work incentives stay exactly the same when you move states. You do not face any reduction or change to your SSDI status simply because of a state change, though you must update your address with Social Security.

How SSI Changes When You Cross State Lines

SSI is fundamentally different from SSDI because states can supplement the federal payment amount with their own money. The federal SSI payment for an individual living alone is $943 per month in 2024, but many states add extra money on top of this. When you move to a state with a higher supplement, your total SSI payment increases. When you move to a state that only pays the federal minimum, your payment decreases or stays the same.

Get Your Free Costco Rewards Certificate Online Guide →

As of 2024, approximately 28 states provide state supplements to SSI beneficiaries. The supplement amounts vary dramatically. California adds up to $70 per month for an individual, while New York provides up to $74. Some states like Illinois offer supplements only in certain circumstances. Meanwhile, 22 states plus Washington, D.C. do not provide any state supplement at all, meaning beneficiaries in those states receive only the federal minimum.

This creates a real financial impact for people who move. Someone receiving SSI in California and relocating to Texas would see their payment drop by the full California state supplement amount. Conversely, someone moving from a non-supplement state to California would receive additional monthly income. The timing of your move matters too. SSI payments are calculated based on the state where you live on the first day of the month. If you move before the first of the month, your new state's rules apply that month. If you move after the first, the new state's rules typically begin the following month.

Each state that provides supplements may have different rules about what counts as income and resources. Some states allow higher resource limits than the federal $2,000 for individuals or $3,000 for couples. For example, some states exclude certain items from the resource calculation that would count at the federal level. Illinois allows beneficiaries to own a vehicle without the first $4,500 of its value counting against their resource limit, whereas the federal rule is more restrictive.

State living arrangements rules can also differ. Some states provide a higher payment if you live independently compared to living with others, while others do not make this distinction. Your living situation—such as whether you pay your own rent or live in someone else's household—may affect your payment amount differently depending on your state. These variations mean you could see your payment change even without a change in your actual living situation.

Practical takeaway: Look up your current state's SSI supplement and your destination state's supplement before moving. The difference could be $50 to $100+ per month. Contact Social Security or your state's Disability Services office to learn the exact supplement amounts and any state-specific rules that might affect your payment.

Reporting Your Move and Updating Your Address

When you move to a new state, you have a legal obligation to tell Social Security about your new address within 10 days of moving. This is not optional. Failing to report a move can result in overpayments, suspended benefits, or other complications. The good news is that reporting a move is straightforward and can be done several ways.

Learn About Atrial Fibrillation Guidelines and Management →

You can report your move online through your Social Security account at ssa.gov, by calling Social Security at 1-800-772-1213 (TTY 1-800-325-0778), by visiting your local Social Security office in person, or by mailing a written notice to your local office. If you use a representative payee—someone authorized to manage your benefits on your behalf—they may report the move for you, but you should confirm they have done so. Your move is not official in Social Security's system until they have recorded your new address.

When you contact Social Security to report your move, have the following information ready: your Social Security number, your current address before the move, your new address after the move, and the date you are moving or have moved. If you are also changing your telephone number or mailing address, report those changes as well. Some people have mail delivered to a different address than where they physically live; Social Security needs your actual residence address, not just a mailing address.

For SSI beneficiaries, reporting your move is even more critical because your payment amount may change based on your new state. When Social Security processes your address change, they will check