Supplemental Security Income (SSI)
what is it?
Supplemental Security Income (SSI) is a federally funded program of the U.S. Social Security Administration (SSA) that provides financial assistance to disabled adults and children with limited income and resources. It is a needs-based program funded by general tax revenues that helps people meet their basic living needs for food, clothing and shelter. SSI applicants do not have to show a record of paying into the social security system. Those who qualify, receive Medicaid coverage.
how can we help?
The Guynn Waddell team is well-versed on the federal rules and regulations that govern the Supplemental Security Income program, and in guiding clients through the SSI appeals process. We understand the specific requirements that determine who qualifies for this federal benefits program and know the large amount of information applicants must submit for review. The Social Security Administration has a tough approval process and does not typically approve the majority of SSI applications upon initial review. We are here to assist clients through the appeals process and obtain the financial assistance they need.
who is eligible for ssi benefits?
To qualify for SSI benefits, individuals must meet the following requirements:
- Be at least 65 years old or be blind or disabled (can be any age, includes children)
- Have limited income and resources
- Be a U.S. citizen or national, or an alien who meets certain applicable requirements
- Reside in one of the 50 states, the District of Columbia (D.C.), or the Northern Mariana Islands
Exception: a child of military parent(s) assigned to permanent duty outside the United States, or certain students temporarily abroad
Other factors that may affect a person’s eligibility for SSI, include marital status, bank balance and monthly income from work. Applicants must show a household income level below a specific amount known as the federal benefit rate (FBR). Calculating the FBR is complex since only a portion of the person’s income from work is included in the calculation. At the same time, the value of any in-kind services the applicant receives, such as free rent or meals, is included.
how do i apply for ssi benefits?
Individuals must submit a Supplemental Security Income application to the Social Security Administration. Below are the five stages for submitting and appealing a SSI application. Generally speaking, applicants have a 60-day time limit to appeal a denial during any of these stages.
- Initial Application – disability application submitted to the Social Security Administration that contains documentation of applicant’s medical condition and work history
- Request for Reconsideration – if initial application is denied, applicant can appeal for reconsideration
- Hearing with an Administrative Law Judge (ALJ) – a brief, informal hearing before a judge during which the applicant may present additional testimony and other evidence to strengthen his or her application
- Appeals Council – if claim not approved during ALJ, it may be submitted for review by the Appeals Council which is made up of members of the Social Security Administration. The applicant does not appear before them in person.
- Federal Court – the final step in the appeals process if application denied by the Appeals Council
