For individuals with disabilities or chronic health conditions, Supplemental Security Income (SSI) provides a critical financial safety net. But for many, financial assistance alone isn’t enough—especially when day-to-day activities require help. That’s where California’s In-Home Supportive Services (IHSS) program comes in.
IHSS offers essential in-home care for eligible low-income individuals, helping them remain safely in their own homes. If you already receive SSI, you may qualify for IHSS as well—but combining these two programs comes with strict eligibility rules and common pitfalls that can affect your benefits.
At PLBH, we assist workers and disabled individuals with understanding how state and federal assistance programs intersect. Here’s what you should know about using SSI and IHSS together.
How IHSS and SSI Work Together
SSI is a federal program that provides monthly cash benefits to people who are aged, blind, or disabled and have limited income and resources. In California, most people who qualify for SSI also automatically qualify for Medi-Cal, which is required to access IHSS services.
IHSS is a state-run program that provides services like:
- Bathing, dressing, and grooming assistance
- Help with cooking, cleaning, and laundry
- Transportation to medical appointments
- Protective supervision for those with cognitive or mental health conditions
The goal of IHSS is to prevent unnecessary institutionalization by offering care in a home setting.
Good News for SSI Recipients
If you’re already receiving SSI and have been approved for Medi-Cal, you’re generally considered financially eligible for IHSS. This makes the application process slightly easier. However, you’ll still need to undergo an assessment to determine the number of IHSS hours you qualify for based on your medical and functional needs.
Common Pitfalls to Avoid
Even though SSI and IHSS are designed to work together, certain missteps can jeopardize your eligibility for one or both programs.
1. Unreported Income or Changes in Living Situation
Both programs require that you report any changes in your financial or living situation. Failure to report new income, gifts, or moving in with someone else—even temporarily—could lead to an overpayment or loss of benefits.
2. Choosing the Wrong Care Provider
IHSS allows you to choose your own care provider, including family members. However, if your provider is not properly enrolled or trained through the IHSS system, you may have trouble getting payments processed or hours approved.
3. Exceeding Resource Limits
SSI has strict resource limits ($2,000 for an individual, $3,000 for a couple). Receiving back pay from SSI, unused IHSS wages (if you’re also a provider), or other lump sums can accidentally push you over the asset limit unless managed carefully.
4. Failing to Complete Assessments or Renewals
IHSS eligibility must be reassessed annually. Missing a reassessment appointment or failing to provide updated medical records can result in a reduction or termination of hours. Always respond to requests from your county’s IHSS office promptly.
How to Protect Your Benefits
Navigating the intersection of SSI and IHSS can be complex. Here are a few ways to avoid common mistakes and keep your benefits on track:
- Keep all benefit letters, pay stubs, and official notices organized and accessible
- Report any income, address, or household changes to Social Security and IHSS promptly
- Use your IHSS hours consistently and track how they are used
- Attend all reassessment appointments and keep your medical documentation updated
- Consider speaking with an attorney if you face a denial or reduction of services
Need Help Understanding Your SSI or IHSS Rights?
Whether you’re applying for IHSS for the first time or managing multiple benefits while working part-time, PLBH can help. Call (800) 435-7542 today for a consultation and get the support you need to protect your health, independence, and financial stability.