Meet the Age, Disability, or Blindness Requirement

To qualify for SSI, you must meet one of the following conditions:

• Age: You must be 65 years or older. There is no need for disability or blindness in this case, but you must meet the income and resource requirements.
• Disability: If you are under 65, you must have a disability or blindness that prevents you from working and is expected to last at least 12 months or result in death. Disabilities can be physical, mental, or a combination of both.
• Blindness: If you are blind, your vision must be limited according to Social Security's definition.

Meet the Income Limits

One of the most important criteria for SSI eligibility is income. The Social Security Administration (SSA) has strict income limits, which include money you earn from work, as well as other sources like government benefits, gifts, or any financial assistance.

For 2025, the basic SSI income limit is:

• Individual: If you are applying as a single person, your income must be less than $1,300 per month (this includes earned and unearned income).
• Couple: If you are married, your combined income must be less than $1,950 per month.

However, some income may not count toward these limits, such as:

• The first $20 of most income.
• The first $65 of earned income (if you are working).
• Some forms of income from friends or family (in certain circumstances).

The SSA will assess your income when reviewing your application, so be sure to report all your income accurately.

Meet the Resource Limits

In addition to income, SSI eligibility is also based on resources. Resources are assets that you own, including savings, investments, and property. The SSA has limits on how much you can own while still qualifying for SSI:

• Individual: You can have no more than $2,000 in resources.
• Couple: If you are married, the combined resource limit is $3,000.

Resources that count toward this limit include:

• Cash: Savings, checking accounts, and other forms of liquid money.
• Property: Other property you own, except for your primary residence and one vehicle used for transportation.
• Investments: Stocks, bonds, and other investment vehicles.

Certain resources do not count toward the limit, such as:

• Your primary residence (if it’s in the U.S. and is where you live most of the time).
• One vehicle used for transportation.
• Household items, clothing, and personal effects.

Be a U.S. Citizen or Qualified Non-Citizen

To be eligible for SSI, you must be a U.S. citizen or a qualified non-citizen. Qualified non-citizens may include:

• Lawfully admitted permanent residents (green card holders).
• Refugees, asylees, or individuals granted temporary protected status.
• Certain other categories of legal immigrants.

If you are not a U.S. citizen or a qualified non-citizen, you will not be eligible for SSI benefits.

Residency Requirements

You must reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands. If you are living outside of the U.S., you will not be eligible for SSI. Additionally, you must be residing in the U.S. lawfully.

How to Apply for SSI

To apply for SSI, you can follow these steps:

A. Gather Your Documents

Before applying, gather the following documents to ensure your application goes smoothly:

• Proof of age: Birth certificate, passport, or other documents showing your birthdate.
• Medical evidence: If applying due to disability, you’ll need medical records, doctors’ notes, and other documents supporting your condition.
• Income records: Pay stubs, tax returns, Social Security benefits, or any other income documentation.
• Resource information: Bank statements, property deeds, and any investment accounts you hold.

B. Apply Online or In Person

You can apply for SSI benefits either online or by visiting your local Social Security office.

• Online: If you’re applying for SSI due to age (65 or older) or disability, you can apply online through the SSA’s website at www.ssa.gov.
• In-person: You can also schedule an appointment with your local Social Security office to apply. Visit www.ssa.gov/locator to find the nearest office.

C. Complete the Application

The application process will require you to answer questions about your medical condition, financial situation, and living arrangements. Be sure to fill out the forms carefully and accurately to avoid delays.

D. Follow Up on Your Application

After you submit your application, keep track of its progress by checking your SSA online account or calling the SSA at 1-800-772-1213. If additional documents or information are requested, make sure to respond quickly.

What Happens After You Apply?

After you submit your SSI application, the SSA will review your case to determine if you meet the eligibility requirements. The review process typically takes 3 to 5 months, but this can vary depending on the complexity of your case.

If your claim is approved, you will begin receiving monthly SSI payments. If your claim is denied, you have the right to appeal the decision.

Consider Getting Help with Your SSI Application

While applying for SSI is possible without a lawyer, it can be beneficial to consult with a disability attorney or advocate. They can help you:

• Navigate the application process: Ensure that all documents are in order and help you fill out forms correctly.
• Gather necessary medical evidence: Ensure that your disability or blindness is fully documented.
• Represent you in case of denial: If your claim is denied, a disability attorney can assist with the appeals process.