Supplemental Security Income (SSI) is a federal program designed to provide financial assistance to individuals who are disabled, blind, or aged 65 or older, and who have limited income and resources. Unlike Social Security Disability Insurance (SSDI), SSI is not based on a person’s work history, but rather on their financial need and medical condition. In this guide, we’ll explain who qualifies to receive SSI and what the eligibility requirements are.
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Disabled or Blind Individuals
To be eligible for SSI as a disabled or blind individual, you must meet the following criteria:
- Disability: Your disability must prevent you from working and must be expected to last at least 12 months or result in death. This can include physical conditions such as chronic illnesses or injuries, as well as mental health conditions.
- Blindness: If you are legally blind, meaning your vision is 20/200 or worse in your better eye with the best correction, you may qualify for SSI benefits. The SSA may also determine you qualify if your vision impairment is so severe that it prevents you from performing basic daily activities.
In both cases, you must provide medical evidence to prove your condition meets the SSA’s definition of disability.
Age 65 or Older
If you are 65 or older and have limited income and resources, you may qualify for SSI benefits, even if you do not have a disability. The age requirement for SSI is not tied to your work history, so it is available to those who are low-income and over the age of 65.
Limited Income and Resources
One of the most important factors for SSI eligibility is financial need. You must have:
- Limited income: SSI has strict income limits that vary depending on your living situation. Income includes money from work, Social Security benefits, pensions, or other sources.
- Limited resources: The SSA limits the amount of resources you can have to $2,000 for an individual and $3,000 for a couple. Resources include things like bank accounts, cash, property, and vehicles. However, certain assets, like your home and one vehicle, are not counted.
If your income and resources exceed the SSA’s limits, you will not be eligible for SSI benefits.
U.S. Citizenship or Eligible Noncitizen Status
To qualify for SSI, you must either be:
- A U.S. citizen, or
- A qualified noncitizen (such as a legal permanent resident or refugee) who meets specific requirements under federal law.
You must provide proof of your citizenship or legal immigration status to be eligible.
Reside in the U.S.
You must live in one of the 50 states, the District of Columbia, or the Northern Mariana Islands to receive SSI benefits. Individuals who live outside the U.S. or in certain other areas may not qualify for SSI.
How Hogan Smith Can Help
At Hogan Smith, we understand how complex the SSI application process can be, especially when you’re uncertain whether you qualify. Our team of experts can help guide you through the eligibility requirements and the application process, ensuring you get the benefits you deserve.
Here’s how we can assist:
- Eligibility Review: We will help you determine if you meet the criteria for SSI based on your age, disability, income, and resources.
- Application Assistance: Our team can help you complete the SSI application accurately and ensure that all necessary medical and financial documentation is included.
- Appeals Process: If your application is denied, we can represent you during the appeals process, helping you gather new evidence and present a stronger case.
- Maximize Benefits: We’ll help you make sure you’re receiving the full benefits you are entitled to under the SSI program.
At Hogan Smith, we are committed to making the SSI process as smooth as possible for you.
Contact Hogan Smith Today
If you’re wondering whether you qualify for SSI or need help with the application process, Hogan Smith is here to help. Our experienced team can provide guidance and support every step of the way.
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