Understanding Supplemental Security Income

Supplemental Security Income (SSI) is an assistancethat is available for workers who become disabled or
program administered by the Social Securityfor disabled spouses of retired or deceased workers.
Administration to provide benefits for persons who areSSDI is also available for disabled children under certain
disabled, blind, age 65 or older and who have limitedcircumstances.
income and resources. Disabled or blind children mayThe application process requires you or your officially
also qualify.designated representative to visit a local office for an
Disability for an adult is defined by the Social Securityinterview. The interviewer will complete your application
Administration as a medically determinable physical orduring the interview process; it is not something you
mental impairment which:can do in advance.
1. Prevents a person from engaging in any substantialYou must prepare in advance for the interview. Your
gainful activity, andinterviewer will need the following information:
2. Can be expected to result in death; or1. Names, addresses and phone numbers or all doctors,
3. Has lasted or can be expected to last for atherapists, hospitals and clinics where you have
continuous period of at least 12 monthsreceived medical treatment, including emergency room
Substantial Gainful Activity is defined as work activityvisits
that involves physical or mental duties, or a combination2. Your Patient ID number for each of those places
of both, that is productive in nature, and is performed3. The dates you were seen at each of those places
for pay or profit. Please note that actually making a4. Names of any medications you are taking
profit is not required, nor is working fulltime required. In5. Medical records in your possession
general, if you earn $900 per month, you are not6. An original or certified copy of your birth certificate. If
considered disabled.you were born outside the United States, you must
Income is defined as wages, earnings fromfurnish proof of U. S. citizenship or legal residency
self-employment, certain royalties and honoraria,7. If you were in the military, you must furnish a copy
sheltered workshop payments, Social Security benefits,of your DD-214 (discharge papers)
pensions, State disability payments, unemployment8. If you worked for someone else, you must furnish a
benefits, interest income, cash from friends or relatives,copy of your last year's W-2. If you were
food or shelter that you receive free or at a price thatself-employed, you must furnish a copy of your
is less than fair market value, part of the income ofincome tax return.
your spouse or parents if you live with either.9. Worker's compensation information, including date of
Resources are defined as cash, bank accounts,injury, claim number and proof of payments
stocks, U. S. savings bonds, land, life insurance, personal10. Social security numbers for your spouse and minor
property, vehicles, anything else you own that could bechildren
exchanged for cash and used for food and shelter,11. Your checking and/or savings account numbers
and deemed resources. The total of your resources12. Name, address and phone number of a contact
cannot exceed $2,000.00.person should you not be available when called
Deemed Resources are a portion of resources13. Kinds of jobs and dates you worked during the
owned by your spouse or parents.previous 15 years
To complicate the matter even further, there areThe application process for Supplemental Security
some income exclusions. There are also someInsurance is not a short one, and it may take the
resource exclusions.agency three to five months to make a decision on
Adults who wish to apply to Supplemental Securityyour application. For that reason, it is especially
Income must first apply for Social Security Benefits.important that you apply as soon as possible and have
That's because there are two disability programs: SSIall of the needed information for your interview.
and SSDI. SSDI is Social Security Disability Insurance