Supplemental Security Income Eligibility

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1. Factors That Can Affect Your Supplemental Security Income (SSI)

REVIEWED BY

C. William Kenny

March 03, 2024

Board certified by National Board of Trial Advocacy

Factors That Can Affect Your Supplemental Security Income (SSI)

Supplemental Security Income (SSI) serves as a vital safety net for disabled individuals with limited resources and income. SSI provides essential financial assistance to those who qualify. However, navigating SSI eligibility can be challenging, as numerous factors can influence one’s ability to receive or maintain these benefits. Understanding these factors is crucial for individuals seeking SSI assistance and those already receiving it. Here are some key elements that can significantly impact SSI eligibility and payments.

1. Financial Resources and Income: One of the primary factors determining SSI eligibility is financial need. The Social Security Administration (SSA) considers both income and resources when assessing eligibility. Income includes wages, Social Security benefits and pensions. Resources can include assets such as cash, bank accounts and property. Exceeding certain limits for income and resources can disqualify individuals from receiving SSI or lead to reduced benefit amounts.
2. Living Arrangements: SSI benefits may vary depending on an individual’s living situation. Those residing in their own household typically receive higher benefits compared to individuals living in someone else’s household, where expenses may be shared. 
3. Marital Status: Marital status plays a significant role in SSI eligibility and benefit calculations. For married individuals, the income and resources of both spouses are considered when determining eligibility and benefit amounts. Marriage to a spouse who earns income above the allowable limit can impact SSI eligibility or lead to reduced benefits.
4. Disability Status: SSI is designed to assist disabled individuals who meet the SSA’s criteria for disability. The severity and duration of the disability, as well as its impact on one’s ability to work, are main factors in determining eligibility. Medical evidence documenting disability and its limitations is essential for SSI approval. Failure to meet the SSA’s definition of disability can result in denial of benefits.
5. Age and Citizenship Status: SSI eligibility extends to individuals aged sixty-five and older, as well as blind or disabled individuals of any age. Additionally, applicants must be U.S. citizens or meet certain residency requirements. Non-citizens may qualify for SSI under specific circumstances, such as having lawful permanent residency or meeting other criteria outlined by the SSA.
6. Work Activity: Engaging in substantial gainful activity (SGA) can impact SSI eligibility. SGA refers to any activity that generates income above a certain threshold set by the SSA. Individuals capable of SGA may be deemed ineligible for SSI benefits. However, there are work incentives and programs aimed at facilitating employment for disabled individuals without jeopardizing their SSI benefits.
7. Changes in Circumstances: SSI recipients must report any changes in their circumstances that may affect eligibility or benefit amounts promptly. This includes changes in income, resources, living arrangements, marital status and disability status. Failure to report such changes in a timely manner can result in an overpayment of SSI benefits.

Navigating the complexities of SSI eligibility can be challenging and requires a thorough understanding of the numerous factors that can influence eligibility and benefit amounts. 

If you are in need of applying for SSI benefits or have questions regarding your eligibility, contact the experienced Social Security Disability Attorneys of Berger and Green for a free case evaluation.