In rare cases, SSD applicants may also be eligible for Supplementary Security Income (SSI). Unlike SSD, SSI is a needs-based program. SSD applicants may be eligible for SSI if they qualify for SSD and receive low monthly payments.
To qualify for supplemental security income benefits, you must be at least 65 years of age, blind, or disabled, and have a limited income, limited resources, and be a U.S. citizen or naturalized citizen of the United States.
SSI Disability
A qualifying disability for SSI is a mental or physical impairment that:
- Causes an inability to maintain gainful employment; and
- Will probably result in death; or
- Lasted or could last continually for at least twelve months.
Limited Income
Eligibility mostly depends on a person’s income. If your income is too high, your benefits could get reduced, or your claim for SSI benefits could get denied. The Social Security Administration determines your total income from different sources, such as:
- Earned income: Wages, specific royalties and honoraria, net earnings from being self-employed, and sheltered workshop payments.
- Unearned income: Income you didn’t earn, such as pensions, unemployment benefits, interest income, Social Security benefits, state disability payments, and cash your friends or family gifted to you.
- In-kind income: Shelter or food given to you for free or less than the fair market value.
- Deemed income: The income of your live-in spouse, live-in parent, or a sponsor (if you’re an alien).
Factors that don’t count as income include:
- Income tax refunds
- The first $20 of your monthly income
- Food stamps
- Shelter provided by a nonprofit organization
- Loans you have to repay
- Most home energy assistance programs, such as National Grid
- Small amounts of irregular income
Limited Resources
Limited resources refer to various assets that are worth less than $2,000 if you’re an individual and less than $3,000 for a couple. Eligible assets include:
- Land
- Cash
- Personal property
- Vehicles
- Bank accounts, U.S. savings bonds, and stocks
- Life insurance
- Possessions you can use for food or shelter, or that you could convert to cash