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SUPPLEMENTAL SECURITY INCOME (SSI) BASICS:

What is SSI?  SSI stands for Supplemental Security Income.  Social Security administers this program and pays monthly benefits to people with limited income and resources who are disabled, blind, or age 65 or older.  Blind or disabled children may also get SSI.

HOW IS SSI DIFFERENT FROM SOCIAL SECURITY DISABILITY INSURANCE BENEFITS?

Supplemental Security Income is a program that is strictly need-based, according to income and assets, and is funded by general fund taxes (not from the Social Security trust fund).  SSI is called a “means-tested program,” meaning it has nothing to do with work history, but strictly with financial need. Generally, in order to meet the SSI income requirements, you must have less than $2,000 in assets (or $3,000 for a couple) and a very limited income.

One of the greatest benefits of the SSI program is that once approved, disabled people who are eligible under the income requirements for SSI are also able to receive Medicaid in the state they reside in.  Most people who qualify for SSI will also qualify for food stamps, and the amount an eligible person will receive is dependent on where they live and the amount of regular, monthly income they have. SSI benefits will begin on the first of the month when you first submit your application.

Many people who are eligible for SSI may also be entitled to Social Security Disability Insurance benefits. In fact, the application for SSI is also an application for Social Security benefits. However, SSI and Social Security are different in many ways.

small blue ballSocial Security benefits may be paid to you and certain members of your family if you are “insured” meaning you worked long enough and paid Social Security taxes. Unlike Social Security benefits, SSI benefits are not based on your prior work or a family member’s prior work.

small blue ballSSI is financed by general funds of the U.S. Treasury–personal income taxes, corporate and other taxes. Social Security taxes collected under the Federal Insurance Contributions Act (FICA) or the Self Employment Contributions Act (SECA) do not fund the SSI program.

small blue ballIn most States, SSI beneficiaries also can get medical assistance (Medicaid)- to pay for hospital stays, doctor bills, prescription drugs, and other health costs.

small blue ballMany States also provide a supplemental payment to certain SSI beneficiaries.

small blue ballSSI beneficiaries may also be eligible for food assistance in every State except California. In some States, an application for SSI also serves as an application for food assistance.

small blue ballSSI benefits are paid on the first of the month.

small blue ballTo get SSI, you must be disabled, blind, or at least 65 years old and have “limited” income and resources.

small blue ballIn addition, in order to qualify for SSI, you must also:

  • be a legal resident of the United States, and
  • not be absent from the country for a full calendar month or more or for 30 consecutive days or more; and
  • be either a U.S. citizen or national, or in one of certain categories of qualified non–citizens.

HOW IS SSI LIKE SOCIAL SECURITY BENEFITS?

small blue ballBoth programs pay monthly benefits.

small blue ballThe medical standards for disability are generally the same in both programs for individuals age 18 or older. For children from birth to age 18 there is a separate definition of disability under SSI. The medical standard is based on the severity of your disability and financial need is not considered at this step in the eligibility process.

small blue ballSSA administers both programs.

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