How to Apply for SSI: Supplemental Security Income Explained
Supplemental Security Income (SSI) provides monthly cash benefits to elderly, blind, or disabled people with limited income and resources. Understanding how to apply successfully can help you access benefits you deserve.
Who Qualifies for SSI?
- Adults 65 or older with limited income and resources
- Adults or children who are blind
- Adults or children with a qualifying disability
- U.S. citizens or certain qualified non-citizens
- Resources below $2,000 (individual) or $3,000 (couple)
Current Benefit Amounts
In 2025, the maximum federal SSI payment is $967 per month for individuals and $1,450 for couples. Some states add a supplemental payment. Your actual benefit depends on your other income and living situation.
How to Apply
Apply by calling Social Security at 1-800-772-1213, visiting your local Social Security office, or starting online at SSA.gov. Gather these documents:
- Social Security card or number
- Birth certificate or proof of age
- Medical records and doctor contact information
- Work history for the past 15 years
- Bank statements and financial records
Tips for a Successful Application
- Be thorough about your medical conditions and limitations
- List all medications and treatments
- Include all doctors and hospitals that have treated you
- If denied, appeal – many claims are approved on appeal
- Consider working with a disability advocate or attorney
The application process can take several months. Apply as soon as you think you might qualify, as benefits can be backdated to your application date.
