Eligibility for SSI

Before filing for SSI, you need to ensure that you meet the eligibility requirements. You must meet two main criteria:

Disability, Blindness, or Age:

• You must be either disabled, blind, or at least 65 years old.

Financial Need:

• SSI is for individuals with limited income and resources. You must have income and resources below a certain threshold, which is updated annually by the Social Security Administration (SSA). Resources may include savings, property, or other assets.

Note: SSI benefits are generally available for individuals who do not qualify for Social Security Disability Insurance (SSDI) due to a lack of sufficient work history.

Steps to File for SSI

Filing for SSI can be done through several methods. Follow these steps to begin your application:

Step 1: Gather the Necessary Documents

Before applying for SSI, make sure you have the following documents on hand:

• Social Security number.
• Proof of identity (such as a birth certificate, passport, or state-issued ID).
• Medical records: Documents from your doctor regarding your disability, blindness, or condition.
• Work history: Any employment records for the past 5 years (if applicable).
• Bank account information: For direct deposit of your benefits.
• Proof of income and resources: This includes details of your earnings, assets, and any other income you receive (such as pensions, rental income, or assistance from family).

Step 2: Submit Your SSI Application

There are several ways to apply for SSI benefits:

Online Application:

• The easiest and fastest way to file for SSI is online through the Social Security Administration (SSA) website: www.ssa.gov.
• You can start the SSI application online by creating an account or logging into your existing my Social Security account.
• Make sure to answer all questions carefully and provide the requested documents.

By Phone:

• If you prefer to apply by phone, you can call the SSA at 1-800-772-1213. A representative will guide you through the application process and may be able to schedule an in-person appointment if needed.

In-Person Application:

• You can also apply in person at your local Social Security office. It’s a good idea to schedule an appointment in advance to reduce wait times. You can find the nearest office using the SSA’s online office locator.

Step 3: Wait for SSA’s Decision

Once you submit your SSI application, the Social Security Administration will review your case. This may take several months, and you’ll be notified about the decision by mail. The SSA will:

• Review your medical records and any supporting documents.
• Verify your income and resources to determine if you meet the financial eligibility requirements.

Step 4: Follow Up If Necessary

If the SSA needs additional information to process your application, they may contact you by mail or phone. Make sure you respond promptly to avoid delays. You can also monitor the status of your SSI claim through your my Social Security account.

What to Do if Your SSI Application is Denied

It’s not uncommon for initial SSI applications to be denied. If your SSI claim is denied, you have the right to appeal the decision. Here’s what you can do:

• Request Reconsideration:
• If your initial application is denied, you can file a Request for Reconsideration. The SSA will review your case again to see if anything was missed in the first decision.
• Request a Hearing:
• If reconsideration does not result in approval, you can request a hearing before an Administrative Law Judge (ALJ), who will make a final decision based on your case.
• Gather New Evidence:
• If you’re appealing, it’s helpful to provide new medical evidence or documentation that supports your disability claim.

How Much SSI Will You Receive?

The amount of SSI you receive depends on your income, resources, and the cost of living in your area. In 2025, the maximum federal SSI payment is around $914 per month for an individual and $1,371 per month for a couple. However, your actual payment may be less if you have other income, such as wages or support from family members.