Definition
Supplemental Security Income (SSI) is a federal program administered by the Social Security Administration (SSA) that provides monthly payments to individuals who have limited income and resources. The program is designed to help these individuals meet basic needs for food, clothing, and shelter. SSI is specifically targeted at:
- Adults aged 65 and older
- Blind or disabled adults
- Blind or disabled children
The primary criterion for eligibility is financial need, rather than work history. SSI differs from Social Security retirement benefits and Social Security Disability Insurance (SSDI), both of which are based on an individual’s earning record.
Examples
- Elderly Recipients: John, 68 years old, has limited savings and no pension. He applies for SSI to help cover his living expenses.
- Disabled Adults: Sarah, 45, diagnosed with a severe chronic illness that prevents her from working, receives SSI to help afford her daily necessities.
- Disabled Child: Emily, a 10-year-old born with a congenital disability, receives SSI benefits which go towards her medical and living expenses.
Frequently Asked Questions (FAQs)
What are the eligibility requirements for SSI?
To qualify for SSI, an individual must have limited income and resources. Additionally, they must be either aged (65 or older), blind (with very limited vision), or disabled (having a physical or mental condition that severely limits their activities and is expected to last at least one year or result in death).
How is SSI funded?
SSI is funded through general tax revenues, not Social Security taxes.
How do I apply for SSI?
You can apply for SSI by visiting a local Social Security office, calling the SSA’s toll-free number, or applying online through the Social Security Administration’s website.
Can individuals receive both SSI and SSDI?
Yes, individuals may qualify for both SSI and SSDI if they meet the eligibility criteria for both programs. This is often referred to as receiving “concurrent benefits.”
What counts as resources for SSI eligibility?
Resources for SSI eligibility include assets such as cash, bank accounts, property (except the home you live in), and personal property. There are limits on the resources someone can have to qualify for SSI: $2,000 for an individual and $3,000 for a couple.
Are SSI payments adjusted for cost of living?
Yes, SSI payments are typically adjusted annually to account for increases in the cost of living, known as Cost-of-Living Adjustments (COLA).
What should I do if my SSI application is denied?
If your application is denied, you have the right to appeal the decision. You will need to request an appeal within 60 days of receiving the denial notice.
Related Terms
- Social Security Disability Insurance (SSDI): A federal insurance program that provides benefits to disabled individuals who have paid into Social Security through payroll taxes.
- Medicare: A federal health insurance program primarily for individuals aged 65 and older, as well as younger individuals with disabilities.
- Medicaid: A joint federal and state program that helps with medical costs for individuals with limited income and resources, and offers benefits not typically covered by Medicare.
Online References
Suggested Books for Further Studies
- “Social Security Benefits Handbook” by Stanley A. Tomkiel III
- “Nolo’s Guide to Social Security Disability: Getting & Keeping Your Benefits” by David A. Morton III
- “Social Security for Dummies” by Jonathan Peterson
Fundamentals of Supplemental Security Income (SSI): Social Welfare Basics Quiz
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