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Supplemental Security IncomeSSA Publication No. 05-11000, February 2004 (Recycle prior editions), ICN 480200 (.pdf ) (En Espaņol) |
Contacting Social Security |
Visit our websiteOur website, www.socialsecurity.gov, is a valuable resource for information about all of Social Security’s programs. At our website you also can:
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This booklet explains what Supplemental
Security Income (SSI) is, who can get it and how to apply. It provides basic
information and is not intended to answer all questions. For specific information
about your situation, you should talk with a Social Security representative.
The SSI program makes payments to people with low income who are age 65 or older or are blind or have a disability. The Social Security Administration manages the SSI program. Even though
Social Security manages the program, SSI is not paid for by Social Security
taxes. SSI is paid for by U.S. Treasury general funds, not the Social
Security trust funds. |
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What is SSI |
SSI makes monthly payments to people who have low income and few resources and are:
If you are applying for SSI, you also should get our publication, What
You Need To Know When You Get Supplemental Security Income (SSI)
(Publication No. 05-11011). The basic SSI amount is the same nationwide. However, many states add
money to the basic benefit. You can call us to find out the amounts for
your state. |
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Rules for getting SSI |
Your income and resourcesWhether you can get SSI depends on your income and resources (the things you own). IncomeIncome is money you receive such as wages, Social Security benefits and pensions. Income also includes such things as food, clothing or shelter. The amount of income you can receive each month and still get SSI depends partly on where you live. You can call us to find out the income limits in your state.
If you are married, we also include part of your spouse’s income and resources when deciding whether you qualify for SSI. If you are younger than age 18, we include part of your parents’ income and resources. And, if you are a sponsored noncitizen, we also may include your sponsor’s income and resources. If you are a student, some of the wages or scholarships you receive may not count. If you are disabled but work, Social Security does not count wages you use to pay for items or services that help you to work. For example, if you need a wheelchair, the wages you use to pay for the wheelchair do not count as income when we decide whether you qualify for SSI. Also, Social Security does not count any wages a blind person uses for work expenses. For example, if a blind person uses wages to pay for transportation to and from work, the wages used to pay the transportation cost are not counted as income. If you are disabled or blind, some of the income you use (or save) for training or to buy things you need to work may not count. Resources (things you own)Resources that we count in deciding whether you qualify for SSI include real estate, bank accounts, cash, stocks and bonds. You may be able to get SSI if your resources are worth no more than $2,000. A couple may be able to get SSI if they have resources worth no more than $3,000. If you own property that you are trying to sell, you may be able to get SSI while trying to sell it. Social Security does not count everything you own in deciding whether you have too many resources to qualify for SSI. For example, we do not count:
Other rules you must meetTo get SSI, you must live in the U.S. or the Northern Mariana Islands and be a U.S. citizen or national. In some cases, noncitizen residents can qualify for SSI. For more information, ask for the publication, Supplemental Security Income (SSI) For Noncitizens (Publication No. 05-11051). If you are eligible for Social Security or other benefits, you should apply for them. You can get SSI and other benefits if you are eligible for both. If you live in certain types of institutions, you may get SSI. If you live in a city or county rest home, halfway house or other public institution, you usually cannot get SSI. But there are some exceptions. If you live in a publicly operated community residence that serves no more than 16 people, you may get SSI. If you live in a public institution mainly to attend approved educational or job training to help you get a job, you may get SSI. If you live in a public emergency shelter for the homeless, you may get SSI. If you live in a public or private institution and Medicaid is paying
more than half the cost of your care, you may get a small SSI benefit. |
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How to apply for SSI |
If you are applying
for SSI, you can complete a large part of your application by visiting
our website at www.socialsecurity.gov. You also
can call us toll-free at 1-800-772-1213 to ask for an
appointment with a Social Security representative.
Parents or guardians usually can apply for blind or disabled children under age 18. In some cases, other third parties can apply for children. You should bring certain items when you apply. Even if you do not have all of the things listed below, apply anyway. The people in the Social Security office can help you get whatever is needed. Please bring:
You also should bring your checkbook or other papers that show your bank, credit union or savings and loan account number so we can have your benefits deposited directly into your account. Direct deposit protects benefits from loss, theft and mail delay. The money is always on time and ready to use without making a trip to the bank. A note for people who are blind or disabledIf you work, there are special rules to help you. You may be able to keep getting SSI payments while you work. As you earn more money, your SSI payments may be reduced or stopped, but you may be able to keep your Medicaid coverage. You also may be able to set aside some money for a work goal or to go to school. The people at Social Security can tell you how to do this. In this case, the money you set aside will not reduce the amount of your SSI. Blind or disabled people who apply for SSI may get free special services to help them work. These services may include counseling, job training and help in finding work. You can get more information about these rules by visiting our website at www.socialsecurity.gov or calling us toll-free at 1-800-772-1213 to get a copy of Working While Disabled—How We Can Help (Publication No. 05-10095). Right to appealIf you disagree with a decision made on your claim, you can appeal it. The steps you can take are explained in the publication, The Appeals Process (Publication No. 05-10041), which is available from Social Security. You have the right to be represented by an attorney or other qualified person of your choice. More information is in the publication, Your Right To Representation (Publication No. 05-10075), which is also available from Social Security. You may be able to get other help If you get SSI, you also may be able to get help from your state or
county. For example, you may be able to get Medicaid, food stamps or
other social services. Call your local social services department or
public welfare office for information about the services available in
your community. Food stampsIf everyone in your home signs up for SSI or gets SSI, Social Security will help you fill out the food stamp application. If you do not live in a home where everyone signs up for SSI or gets SSI, you must go to your local food stamp office to get food stamps. You can get more information about food stamps by visiting our website at www.socialsecurity.gov or calling us to get a copy of Food Stamps And Other Nutrition Programs (Publication No. 05-10100). MedicaidWhen you get SSI, you also may get Medicaid which helps pay doctor and hospital bills. Your local welfare or medical assistance office can give you information about Medicaid. Help paying for Medicare If you get Medicare and have low income and few resources, your state
may pay your Medicare premiums and, in some cases, other Medicare expenses
such as deductibles and coinsurance. Only your state can decide if you
qualify. To find out if you do, contact your state or local welfare
office or Medicaid agency. You can get more information from the publication,
Medicare Savings For Qualified Beneficiaries (Publication No.
CMS 10126-S). To get a copy, call the Medicare toll-free number, 1-800-MEDICARE
(1-800-633-4227), or visit www.medicare.gov
on the Internet and click on “Publications.” |
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You may be able to get Social Security |
If you have worked and paid into Social Security long enough, you also
may be eligible for Social Security benefits while you are receiving SSI.
Retirement benefits can be paid to people age 62 or older and their families.
Disability benefits go to people with disabilities and their families.
Survivors benefits are paid to the families of workers who have died.
If you think you may qualify for Social Security benefits, call us to
make an appointment to talk with a Social Security representative.
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