Step 1: Understand the SSI Eligibility Requirements

Before you apply, it’s important to ensure you meet the SSI eligibility criteria. These include:

• Age or Disability: You must be 65 years or older, or you must be blind or disabled. Disability is defined as a physical or mental condition that prevents you from working and is expected to last for at least 12 months or result in death.
• Income and Resources: SSI is a needs-based program, so you must have limited income and resources. The income limit is typically set at $1,913 per month for individuals and $2,843 per month for couples (as of 2025), but this can vary depending on certain factors. Your resources must also be below $2,000 for an individual and $3,000 for a couple.
• U.S. Citizenship or Eligible Non-Citizen Status: You must be a U.S. citizen or a qualified non-citizen (e.g., legal permanent residents).

Step 2: Gather the Necessary Documentation

Before applying, make sure you have the following documents ready:

• Social Security number (and that of your spouse, if applicable)
• Proof of age (birth certificate, passport, or other government-issued documents)
• Proof of U.S. citizenship or legal residency status (such as a U.S. birth certificate or permanent resident card)
• Medical records (if you are applying based on a disability)
• Income and resources documentation (pay stubs, tax returns, bank statements, etc.)
• Bank account information (for direct deposit)

Step 3: Apply Online

The Social Security Administration (SSA) allows you to apply for SSI online if you're between the ages of 18 and 65 and are applying based on disability. You can start your application through the SSA's website:

• Visit the SSA's SSI application page.
• You will need to create an account if you don't have one already.
• Follow the prompts to complete your application.

However, if you are applying for SSI based on age or if you are under 18, you will need to apply in person or by phone.

Step 4: Apply by Phone

If you are unable to apply online or prefer speaking to someone, you can apply by phone:

• Call the Social Security Administration at 1-800-772-1213.
• If you're hearing-impaired, call the SSA's TTY number at 1-800-325-0778.

The SSA representative will assist you in completing the SSI application over the phone.

Step 5: Apply in Person

If you need additional assistance or if you are applying for SSI based on age or need to submit documents in person, you can apply at your local Social Security office. Here’s how:

• Find your local Social Security office in Arizona by using the SSA's office locator: SSA Office Locator.
• Schedule an appointment to avoid long wait times.
• Be prepared to provide all the necessary documentation and answer questions about your medical history, work history, and financial situation.

Step 6: Fill Out the SSI Application Forms

Once you begin the application process, you will need to fill out the appropriate forms. These forms will collect information about your:

• Personal details (name, address, birthdate)
• Work history (for those applying based on disability)
• Income and financial resources
• Medical information (for those applying based on a disability)

If you’re applying due to a disability, the SSA will ask for information about your medical conditions, how they affect your daily life, and any treatment you’re receiving.

Step 7: Submit Your Application

After you’ve completed the application, make sure to submit it along with all required documentation. If applying online, you can submit everything electronically. If you applied by phone or in person, make sure the SSA receives any additional documents or evidence, such as medical records or financial statements, to help process your claim.

Step 8: Wait for a Decision

Once your application is submitted, the SSA will review your case. Processing time can vary, but typically, it can take 3 to 5 months for a decision on SSI claims. The SSA will send you a letter informing you of their decision.

• If you're approved for SSI, you'll start receiving benefits, and they will notify you of the amount you qualify for.
• If you're denied, the letter will explain the reason for the denial, and you have the right to appeal the decision.

Step 9: Appeal if Your SSI Claim is Denied

If your SSI application is denied, you have the right to appeal. The SSA gives you 60 days from the date of the denial to request an appeal.

The appeals process includes several stages:

• Reconsideration: SSA reviews your case again, possibly considering new evidence.
• Hearing: If reconsideration is denied, you can request a hearing in front of an Administrative Law Judge (ALJ).
• Appeals Council: If you disagree with the ALJ's decision, you can ask the Appeals Council to review your case.
• Federal Court: As a last resort, you can take your case to federal court.