Supplemental Security Income (SSI) is a federal program that provides monthly payments to individuals aged 65 and older and those with disabilities who have limited income and resources. If you’re over age 65, blind, or disabled and have little or no income, SSI can help cover basic needs like food, clothing, and housing.
Who Qualifies for SSI?
- Age 65 or Older: You can qualify based on age alone, even if you’ve never worked.
- Disability or Blindness: You may be eligible at any age if you meet Social Security’s medical criteria.
- Limited Income & Resources: Eligibility depends on income level and assets, including savings, vehicles, and property (excluding your primary residence).
- U.S. Citizenship or Residency: You must be a U.S. citizen or qualified resident to apply.
What Does SSI Provide?
- Monthly Payments: Ongoing support to help cover essentials like rent, food, and bills.
- Medicaid Eligibility: Many SSI recipients automatically qualify for Medicaid health coverage.
- Additional State Support: Some states provide supplemental payments in addition to federal SSI.
SSI vs. SSDI: What’s the Difference?
- SSI is needs-based and does not require a work history.
- SSDI (Social Security Disability Insurance) is based on your work record and the amount you’ve paid into Social Security.
How to Apply for SSI
- Online at SSA.gov (for some applicants)
- By Phone or Appointment: Call the Social Security Administration to complete your application with assistance.
- Gather Documents: You’ll need proof of age, income, resources, citizenship/residency, and medical status (if applying based on disability).
Practical Tips for Applying
- Start Early: The process can take time—begin as soon as you think you might be eligible.
- Get Help if Needed: Caregivers or advocates can assist with completing forms, scheduling appointments, and gathering necessary documents.
- Ask About Related Benefits: Receiving SSI may also unlock eligibility for other programs, such as SNAP or housing assistance.
Need Help Understanding SSI?
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