What is SSI?

SSI is a federal program that provides monthly payments to individuals who meet certain income and resource limits, and who are either aged (65 or older), blind, or disabled. The program helps individuals who have little to no income to meet basic living expenses such as food, shelter, and medical care. SSI benefits are funded by general tax revenues, not Social Security taxes.

Eligibility Requirements for SSI

To qualify for SSI, you must meet the following criteria:

• Age or Disability: You must be at least 65 years old, blind, or have a disability that prevents you from working and is expected to last for at least 12 months or result in death.
• Income Limits: Your income must be below a certain level, which is reviewed yearly by the Social Security Administration (SSA). Income includes wages, pensions, and any other money you receive.
• Resource Limits: You cannot have resources exceeding a certain limit. Resources include things like savings accounts, property (other than your home), and vehicles.
• U.S. Citizenship or Legal Status: You must be a U.S. citizen or meet certain legal resident requirements to qualify for SSI.

How SSI Benefits Are Calculated

The amount you can receive from SSI is based on the federal benefit rate (FBR), which is adjusted annually. The SSA will also consider your countable income when determining your benefit amount. Some income, such as the first $20 of your income each month, may not be counted toward the limit. If your income exceeds the eligibility thresholds, you may not qualify for SSI benefits.

How to Apply for SSI

Applying for SSI benefits can be done through the SSA website, by calling their toll-free number, or in person at a local Social Security office. The application process requires providing personal information, medical documentation, and financial details. It’s essential to fill out the application as accurately and thoroughly as possible to avoid delays or denials.

• Online Application: The easiest way to apply is online at www.ssa.gov.
• Phone Application: You can also apply by calling the SSA at 1-800-772-1213.
• In-Person Application: Visit your local Social Security office to apply.

What Happens After You Apply?

Once you apply for SSI, the SSA will review your application to determine whether you meet the eligibility criteria. They may request additional documentation or medical records to support your claim. The process can take several months, and you will be notified of the decision by mail.

If Your Application Is Denied

If your SSI application is denied, don’t give up. You have the right to appeal the decision. The appeals process includes several steps, including requesting reconsideration, requesting a hearing before an Administrative Law Judge (ALJ), and further appeals if necessary. It’s essential to act quickly and provide any additional evidence to support your case.