Step 1: Understand SSI Eligibility Requirements

Before you can receive an SSI check, you must first meet the eligibility criteria for the program. To qualify for SSI, you must have:

• A disability or be aged 65 or older.
• Limited income and resources (below a certain threshold as defined by the SSA).
• Be a U.S. citizen or an eligible noncitizen.

You must also demonstrate that your disability severely impacts your ability to work and is expected to last at least 12 months or result in death. If you meet these requirements, you can apply for SSI benefits.

Step 2: Apply for SSI Benefits

Once you confirm that you meet the SSI eligibility requirements, you need to apply for SSI benefits to start the process. There are several ways to apply:

• Online: The quickest and most convenient way to apply is through the Social Security Administration’s (SSA) website at www.ssa.gov. You can complete your application online and submit all necessary documentation.
• By Phone: You can also apply by calling the SSA’s toll-free number at 1-800-772-1213. A representative will help guide you through the application process.
• In-Person: If you prefer to apply in person, visit your local SSA office. Use the SSA Office Locator to find the nearest office.

When applying, you’ll need to provide the following:

• Medical records to demonstrate your disability.
• Income and resource information, such as pay stubs, bank statements, and other financial documents.
• Personal identification such as your birth certificate or Social Security number.

Step 3: Wait for Your SSI Application to Be Processed

After you’ve submitted your application, the SSA will process your claim. This can take several months. During this time, the SSA will evaluate your eligibility based on your medical condition, income, and resources.

If your application is approved, you will receive a notification from the SSA, including information about the amount of your SSI check and when to expect your first payment.

Step 4: How and When You Will Receive Your SSI Check

Once approved, your SSI check will be delivered in one of two ways:

• Direct Deposit: The fastest and most secure way to receive your SSI check is through direct deposit into your bank account. To set up direct deposit, you will need to provide the SSA with your bank account and routing number. If you don’t already have a bank account, you can open one at most financial institutions.
• Direct Express Debit Card: If you don’t have a bank account, you can receive your SSI payments on a Direct Express debit card. The SSA will load your SSI benefits onto this card each month, and you can use it like a regular debit card for purchases or to withdraw cash from ATMs.

Step 5: SSI Payment Schedule

SSI payments are typically made on the first of each month. However, if the first of the month falls on a weekend or holiday, the payment may be made on the previous business day.

• New recipients will usually receive their first check one to two months after their application is approved.
• If you are already receiving SSI: Your payment will be deposited into your account or onto your Direct Express card each month, on the same date, unless there is a holiday or weekend delay.

Step 6: What to Do If Your SSI Check Is Delayed or Incorrect

If there’s an issue with your SSI check, such as a delay or an incorrect payment amount, you should:

• Check the SSA website or your online account to see if there are any updates or issues with your claim.
• Contact the SSA directly at 1-800-772-1213 to ask about the status of your payment and request assistance with any problems.

Make sure to keep your contact information updated with the SSA to avoid delays.

Step 7: Report Any Changes to the SSA

Once you start receiving SSI payments, it’s important to report any changes in your life that may affect your eligibility or payment amount. These include:

• Changes in your income or resources.
• A change in your living situation.
• A change in your health condition.

Reporting these changes ensures that your SSI benefits remain accurate and prevents overpayments or underpayments.