Step 1: Understand the Eligibility Requirements for SSI

Before you can get an SSI check, you must meet the program's eligibility requirements. SSI is based on your financial need, so the amount of income and resources you have plays a key role. Here are the basic criteria:

• Age or Disability: You must be age 65 or older, or be a child or adult who has a qualifying disability or blindness.
• Limited Income: SSI benefits are for individuals with limited income. This includes wages, Social Security benefits, pensions, and other sources of income.
• Limited Resources: The SSA has limits on the amount of resources you can have to qualify for SSI. Resources include things like cash, savings, and property, excluding your primary residence and certain personal items.

You will also need to meet specific medical criteria for disability if you are applying due to a medical condition.

Step 2: Gather Necessary Documentation

When applying for SSI, you will need to provide various documents to prove your eligibility. These may include:

• Proof of Identity: A birth certificate, passport, or state-issued ID.
• Medical Records: Documentation that proves your disability or blindness, including doctor’s reports, lab results, and treatment history.
• Income and Resource Records: Information about your income, such as tax returns, pay stubs, or proof of Social Security benefits. You’ll also need to provide information about your financial resources (bank statements, property ownership, etc.).
• Social Security Number (SSN): A copy of your SSN or proof of application for one.

Make sure to have these documents on hand to avoid delays in the application process.

Step 3: Apply for SSI Benefits

To start receiving an SSI check, you must apply for SSI benefits. There are several ways to apply:

• Online Application: The easiest and fastest way to apply for SSI is through the Social Security Administration's online portal at www.ssa.gov. You can fill out the application for SSI and submit required documents electronically.
• By Phone: You can apply by calling the SSA’s toll-free number at 1-800-772-1213. An SSA representative will guide you through the application process.
• In Person: If you prefer to apply in person, you can visit your local Social Security office. Use the SSA office locator on their website to find an office near you: SSA Office Locator.

Step 4: Complete the Application Accurately

It’s crucial to fill out your SSI application carefully. Errors or missing information can delay the process or result in a denial. Make sure to:

• Provide Full Details: Describe your disability, medical conditions, and how they affect your ability to work. Be as detailed as possible.
• Report All Income: Be honest and thorough when reporting your income, including any sources of support you receive. Failing to disclose income can result in a denial or overpayment.
• List All Resources: Include any bank accounts, property, or other assets that the SSA will consider when evaluating your eligibility.

Step 5: Wait for a Decision

After you submit your application, the SSA will review your case. This process can take several months, so be patient. During this time, the SSA may request additional information or medical records to support your claim.

If the SSA approves your application, you will begin receiving SSI payments. If your application is denied, you have the right to appeal the decision (more on that later).

Step 6: Receiving Your SSI Check

Once you are approved for SSI, you will start receiving monthly payments. The amount of your SSI check is based on your income, resources, and living situation. In 2025, the maximum federal SSI payment is $914 per month for an individual, and $1,371 for a couple. However, the amount you receive could be lower if you have other sources of income.

SSI payments are typically made:

• Via Direct Deposit: Payments are made through direct deposit into your bank account or onto a Direct Express card. If you don’t have a bank account, the SSA may issue your payments on a prepaid debit card.
• On a Monthly Schedule: SSI checks are usually paid on a monthly basis, and you will receive the same payment each month unless your situation changes (such as a change in income or resources).

Step 7: What to Do If Your SSI Application Is Denied

It’s not uncommon for first-time applicants to be denied for SSI benefits. If your application is denied, you have several options:

• Request Reconsideration: You can ask the SSA to review your case again if your initial application was denied. This is the first step in the appeals process.
• Request a Hearing: If your reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ). This is your opportunity to present your case in person and provide new evidence or testimony.
• Appeals Council: If the ALJ denies your case, you can request a review by the Appeals Council.
• Federal Court: If you’re still denied after the Appeals Council review, you can take your case to federal court.

Working with a disability attorney or advocate during the appeals process can increase your chances of success.