Your Guide to Supplemental Security Income (SSI)

Have you been down on your luck lately? Or, are you just unlucky all the time? Maybe, you made a bad investment, even though you were positive it was worth it. Perhaps, you dug yourself a hole and you want to find a way out. If any of this sounds familiar, then you can remain calm. There is a way out, but you just need to look for it. The best solution would be the Supplemental Security Income (SSI) Program.

The Supplemental Security Income Program is one of the most popular welfare programs you will find across the United States. This program will provide financial relief to individuals who have restricted earnings income or resources each month. Remember that the Federal Government wants to help you out in any way they can but it is not easy, since there are more Americans than there are welfare options. (The math doesn’t add up, unfortunately).

If you want to apply for the Supplemental Security Income (SSI) Program  you need to understand the contents of the SSI payments and how you can get it.

What is the Supplemental Security Income (SSI) Program?

You are probably wondering what Supplemental Security Income is and how it works. The SSI Program is a federal assistance option that the Federal Government provides in order to help individuals who have restricted income or restricted resources per month.

If you want to get SSI benefits  you need to meet at least one or more of the following requirements:

  • At least 65 years or older
  • A medical issue that prevents you from having the ability to work that will last at least a year or result in death
  • Partially or totally blind

Keep in mind that you will not necessarily receive the same amount each month. You will be able to receive more or less SSI benefits but it depends on the state you are currently residing in. The area you live in also plays a factor in the eligibility requirements. There are some states that can offer more funds to your federal SSI payment.

According to Investopedia, Supplemental Security Income (SSI) “is a federal program in the United States that provides additional income for older and disabled people with little to no income. This program provides participants with monthly cash distributions to help them meet their basic needs. SSI is different from standard Social Security retirement benefits.”

Is There an Income Limit for Supplemental Security Income (SSI)? If Yes, Then What is It?

The Supplemental Security Income (SSI) Program does, in fact, have an income limit of how much you can receive. This income limit determines if you qualify for the Program and the maximum amount you can receive each month. The Federal Benefit Rate is responsible for defining the income limit for potential candidates. During 2024, the maximum payment for SSI benefits as $943 per individual and $1,415 per couple. (Remember that the income limit can change on an annual basis.  The FBR will outline the income limit each October, and the changes will take place in January of the next year.) The Federal Benefit Rate plans on inching the income limit upwards each year. Fortunately, the increase is adjusted, based on the Social Security cost-of-living, which follows up on inflation.

If you want to be eligible for Supplemental Security Income payments, you and your family’s earnings must not exceed the SSI monthly payments that the Federal Benefit Rate outlines. But, the Social Security Administration takes into consideration that a part of your income counts toward the income limit. Basically, if you are currently employed, then half of your income will be considered towards the income limit. However, you will need to reach out to the Social Security Administration to get more information about the limits and conditions to qualify.

States are responsible for administering and managing the SSI Program. This means that there could be a difference in eligibility requirements that you need to meet, depending on the state you live in. Keep in mind that these additional requirements are added to the federal requirements of the SSI Program; they do not replace them.

Supplemental Security Income (SSI) Eligibility: Do You Qualify

As mentioned above, you need to be eligible for the SSI Program to receive benefits. If you want to know whether you qualify for the program or not, then you need to set your sights on meeting federal requirements of the Program. The federal requirements are that you:

  •  Are at least age 65 OR be blind or disabled.
  • Currently have limited income and resources.
  •  Be a citizen or a national of the U.S. or an alien who meets certain requirements.
  • Currently living in one of the 50 States, District of Columbia, or the Northern Mariana Islands, except for a child of military parent(s) assigned to permanent duty anywhere outside the United States or certain students temporarily abroad.

In addition, there are components that the Program takes into consideration to define your eligibility. These components are: your earnings from work per month, your current marital status, and your current balance in the bank. If you want to know whether you are eligible out not for the SSI Program, then you can find out through the Social Security Administration’s  Benefit Eligibility Screening Tool. (Do not worry; it is free and available to the public).

Finding Out How Much You Benefits You Can Receive

There are numerous components that the Program takes into account, when they are determining how much you should get. These factors are as follows:

  • your current income
  • citizenship status
  • accumulated worth of what you own, and more.

As an example, if you want to qualify for SSI payments as a single person, then you cannot own more than $2,000 worth of tangible items. But, if you have a married spouse, then that amount increases to $3,000. These numbers do not depend on the large items that you purchase, such as a home or a car. Rather, it is based on the current amount of money you have in your bank account. You will find that bonds and stocks add up, as well.

Additionally, you will need to apply for Social Security benefits along with SSI benefits. If there are any other welfare options that you qualify for, then you need to apply for assistance as well. There are even some federal assistance options that you automatically qualify for. This includes: the Supplemental Nutrition Assistance Program (SNAP) and Medicaid. But, this only applies, if you are eligible for the Supplemental Security Income Program. This means that you can get all types of assistance, thanks to the SSI Program.

If you want, then you can start working on your application from your own living room. All you have to do is go online and fill out the benefits form.  Through the online form, you can submit your application and turn it in. But, there is an increasingly better chance at receiving approval, if you talk to an experienced lawyer.  An experienced lawyer can facilitate the SSI process. You want to fill this out as soon as you qualify, so you can get the financial relief you need to stay afloat.

Going Through The Application Process

If you want to apply for the Supplemental Security Income (SSI) Program, then you should know that it is free for all. This means that anyone from the public can apply and the application will not cost a penny. There are different ways to apply for the SSI Program and each way is easier than the next. The most important thing is that you should apply as soon as possible, so you can get the SSI payments as early as they can give it to you.

How To Apply for SSI

There are three different ways that you can apply for the Supplemental Security Income Program. Once you know that you qualify, you can choose from one of the following three ways to apply for SSI benefits. The first way is online, through the Social Security Administration website and the online application form. There is also the option of an online disability application. Another way you can apply is through the telephone, where you will connect to a Social Security agent. If you have any type of hearing disability, then feel free to use their telecommunications relay services.

The third and final way is by having someone else make the phone call and book an appointment, on your behalf. It is more than recommended for someone to help you out with your SSI application, if you cannot do it alone. If you have a disability that requires additional help, then the SSI Program will take that into account while browsing through your application.

When is the Best Time to Apply?

The best time to apply is now. You want to apply as soon as you can, so that you can receive the benefits as fast as possible. The Program will start providing benefits only after the effective date of your application. You will not get an advance on the SSI payments. If you contact the Program to submit your application within 60 days, then the day of contact will be your application submission date. But, if you do not reach out to the Program to reschedule or you miss your appointment, then the Program will try to contact you.

What are the Documents Needed?

When you submit your application for the SSI Program, you will need to submit documents that give evidence of your need. After you finish the application, then you need to submit the required documents that prove you are eligible to receive benefits.  The required documents that you need to submit are as follows:

  •  Proof of Age
  • Social Security Card or Number
  •  Proof of Living Arrangements
  • Citizenship or Alien Status Record
  • Proof of Income
  • Medical Sources (If You Are Filing As Blind Or Disabled)
  • Evidence or Proof of Resources
  • Work History

Once you have submitted all of the needed paperwork, then you can go on to the next step. The next step would be receiving approval of the Program and getting your SSI benefits.

Supplemental Security Income (SSI) vs. Social Security Disability Insurance (SSDI) Program

There is one main difference between both benefit programs. The Supplemental Security Income (SSI) defines eligibility based on age, disability, and financial need. But, the Social Security Disability Insurance (SSDI) Program determines if you qualify, based on your disability and work history. Fortunately, you can be eligible and get benefits from both programs. If you have limited income and a work history, then there is a big chance you can receive benefits from both Programs.


There you go, now you know everything about the Supplemental Security Income (SSI) Program. It is up to you to apply, of course. If you meet all of the eligibility requirements for the Program, then we highly recommend that you apply. With SSI payments, you can receive temporary financial relief. But, remember, qualifying for the Program is crucial. There is another program that you can consider receiving benefits from, the Social Security Disability Insurance program. This program consists of the same financial relief with different amounts for different eligible individuals. But, there is a possibility that you can receive benefits from both programs. Who knows, maybe you will turn out to be lucky after all.