Supplement Security Income (SSI) is not the same as Social Security Disability Income (SSDI). SSI is a financial needs based program whereas SSDI is tied to a disability that prevents you from returning to work. The two benefit programs are often used in tandem, meaning an applicant will first apply for SSDI and when that award is insufficient to cover expenses, a second application for benefits is made for SSI payments. You do not have to meet a work credit requirement in order to qualify for SSI, but there are other requirements that must be met in order to receive payment.
The requirements for SSI require you to have little to no income, and one of the following:
- You must be at least 65 years old.
- You must be blind.
- A determination that you are disabled must be made.
When the income requirement is taken into account, any wages earned by your spouse are also included.
If you have a spouse who earns a salary you will not qualify for SSI. The monthly income limits are set at $735 for a single person and $1,103 for a married couple. If your income exceeds these amounts, you will not be eligible for SSI benefits. Another factor taken into consideration is the amount of assets you have on hand. So, even if you or your spouse do not work but you have significant assets you will not be awarded SSI. Assets include things like cash in the bank, investment accounts, certain types of insurance policies, a vacation home, and even a second car. Your primary residence and personal belongings are not considered assets for the purposes of awarding SSI payments. However, of the assets that are considered, the total value cannot exceed $2,000 for a single person and $3,000 for married couples. These figures are pretty low and it is difficult for many people to qualify for SSI. That does not mean you do not qualify or that you should not apply, and we can help. Given the chances that your claim for SSI will be denied, let us put your best foot forward from the outset and give you the best shot at getting the benefits your family needs.
If you have questions about supplemental security income and what it takes to get paid under this program, call an experienced attorney for help. Contact us online today for more information. We can also be reached at 855-727-6353.