Moving to a new state is a big decision, and if you depend on disability benefits, you need to understand how relocation affects your SSI or SSDI—because the answer is very different depending on which program you receive.
In this article, we'll cover:
- Why SSDI follows you anywhere in the United States
- How SSI payments can change significantly when you move
- State supplemental payments and why they matter
- The impact on Medicaid and other state-based benefits
- Steps to take before and after your move
SSDI: Your Benefits Stay the Same
Social Security Disability Insurance is a federal program, and your benefits are the same regardless of which state you live in. Whether you move from California to Kansas or Maine to Arizona, your monthly SSDI payment amount won't change.
You do need to report your address change to Social Security, but this is simply to ensure your mail and any communications reach you. Your benefit amount, eligibility, and Medicare coverage all remain intact when you move between states.
SSI: The Federal Benefit Is Consistent, But State Supplements Vary
The federal SSI payment is the same nationwide—in 2025, the maximum federal benefit is $967 per month for individuals and $1,450 for couples. This amount follows you when you move.
However, many states add a state supplemental payment on top of the federal benefit. These supplements vary dramatically. Some states add hundreds of dollars per month, while others add nothing at all. If you move from a state with a generous supplement to one with no supplement, your total monthly income could drop significantly.
States With and Without Supplements
States like California, Massachusetts, and New York offer substantial SSI supplements that can add $100-400 or more to your monthly benefit. Other states, including Arizona, Arkansas, Georgia, Kansas, Mississippi, Tennessee, Texas, and West Virginia, provide no state supplement.
Before moving, research whether your destination state offers a supplement and how much it would be. This information can significantly impact your monthly budget and quality of life.
Medicaid: Coverage Can Change Dramatically
For SSI recipients, Medicaid coverage is often tied to your SSI eligibility. In most states, receiving SSI automatically qualifies you for Medicaid. However, the specific services covered, provider networks, and any cost-sharing requirements vary by state.
When you move, you'll need to apply for Medicaid in your new state. There may be a gap in coverage while your application processes, so plan accordingly. Some states have waiting periods or different eligibility criteria that could temporarily affect your coverage.
For SSDI recipients with Medicare, your coverage travels with you seamlessly. However, if you also have Medicaid or a Medicare Savings Program, you'll need to reapply in your new state.
Before You Move: Essential Steps
Notify Social Security of your move as soon as possible—ideally before you relocate. You can update your address online, by phone, or in person at a Social Security office. Make sure your direct deposit information is current so benefits continue without interruption.
Research your new state's SSI supplement (if any), Medicaid program, and any other state-specific benefits you might qualify for. Consider the overall cost of living, as a lower SSI payment might be offset by lower housing and living costs in some areas.
After You Arrive: What to Do
Visit your local Social Security office to confirm your address change is processed. Apply for Medicaid in your new state as quickly as possible to minimize any coverage gap. Update your address with Medicare if applicable.
If you receive SNAP, housing assistance, or other benefits, you'll need to reapply in your new state, as these programs don't transfer automatically.
Moving is complicated enough without worrying about your benefits. Purple's checking account works anywhere you go, helping SSI and SSDI recipients manage their money no matter where they call home.