While we are not affiliated with the government in any way, our private company engaged writers to research the LIHEAP program and compiled a guide and the following answers to frequently asked questions. Our goal is to help you get the benefits that you need by providing useful information on the process.

Supplemental Security Income (SSI)

Table of Contents

About Us

We are not affiliated with the government in any way. We are a private company that engaged writers to research the Supplemental Security Income (SSI) program and compiled a guide and the following answers to frequently asked questions. Our goal is to help you get the benefits that you need by providing useful information on the process. We are not providing legal or financial advice. If you need such advice please contact an attorney or a financial advisor.

What is Supplemental Security Income (SSI)?

The Supplemental Security Income (SSI) program is a federal assistance program that provides monthly benefits to low-income blind, disabled, and elderly individuals.

Supplemental Security Income is not the same as Social Security Benefits. However, SSI beneficiaries may also be eligible to receive Social Security Benefits, and applicants who apply for SSI will automatically apply for Social Security Benefits.

The Supplemental Security Income program is administered by the Social Security Administration (SSA). Learn more about Supplemental Security Income on the Social Security Administration website here.

What Benefits Does Supplemental Security Income Provide?

The Supplemental Security Income program provides monthly monetary benefits to qualifying beneficiaries. Benefits are provided to both adults and children who meet the program’s eligibility criteria. There is no limit to the amount of time that an individual may receive benefits.

How Much Assistance Does Supplemental Security Income Provide?

The maximum federal SSI benefit amount changes annually. For 2023, Supplemental Security Income benefits were increased to a maximum of $914 for an individual and $1,371 for a couple. However, the more countable income you receive, the less your allotted SSI benefit amount will be.

Some of the income you receive does not impact your SSI eligibility or benefit amount, including the first $20 of income you receive each month, loans that you must repay, and income tax refunds. Your countable income is subtracted from your federal SSI benefit rate. Learn more about countable income here.

Some states provide additional payments to supplement federal Supplemental Security Income benefits. State payments can vary based on income, living expenses, and other factors.

The following states and territories do not provide additional SSI payments to adult recipients:

  • Arizona
  • Mississippi
  • Northern Mariana Islands
  • North Dakota
  • West Virginia

The Social Security Administration administers state supplements for some states. Beneficiaries living within these states may contact the SSA with questions regarding their total benefit amount. The following states provide state supplements to adult recipients through the Social Security Administration:

  • California
  • Delaware
  • D.C.
  • Hawaii
  • Iowa
  • Michigan
  • Montana
  • Nevada
  • New Jersey
  • Pennsylvania
  • Rhode Island
  • Vermont

Some states provide and administer their payments. Beneficiaries may contact their state program for state SSI benefit information. You can find a Social Security office near you here. States that administer supplement benefits to adult recipients are:

  • Alabama
  • Alaska
  • Arkansas
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming

You can learn more about state SSI supplements for adult beneficiaries here.

The following states and territories do not provide additional SSI payments to child recipients:

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • D.C.
  • Delaware
  • Indiana
  • Kansas
  • Maryland
  • Mississippi
  • Missouri
  • North Carolina
  • North Dakota
  • North Mariana Islands
  • Ohio
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Virginia
  • West Virginia

The following states provide state supplements to child recipients through the Social Security Administration:

  • California
  • Hawaii
  • Iowa
  • Montana
  • New Jersey
  • Nevada
  • Pennsylvania
  • Rhode Island
  • Vermont

Some states provide and administer their payments. Beneficiaries may contact their state program for state SSI benefit information. You can find a Social Security office near you here. States that administer supplement benefits to child recipients are:

  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Kentucky
  • Louisiana
  • Maine
  • Massachusetts
  • Michigan
  • Minnesota
  • Nebraska
  • New Hampshire
  • New Mexico
  • New York
  • Oklahoma
  • Oregon
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

You can learn more about state SSI supplements for child beneficiaries here.

How to Qualify for SSI Benefits

To qualify for Supplemental Security Income benefits, you must be:

  • At least age 65 years old;
  • Blind; or
  • Disabled

And you must:

  • Meet income limits
  • Meet resource limits
  • Be a United States citizen, a national, or have a qualifying immigration status
  • Be a resident of the U.S. or the Northern Mariana Islands
  • Not be absent from the U.S. for 30 consecutive days or more
  • Not be confined to a prison or hospital at the government’s expense
  • Give the Social Security Administration permission to contact your financial institutions and request financial records
  • Apply for any monetary benefits you may be eligible for

Learn about income limits and how income is counted for Supplemental Security Income benefits here. Learn more about countable resources and resource limits here.

Learn more about qualifying immigration statuses here.

Take the SSA Benefit Eligibility Screening Tool here to determine if you may be eligible for Supplemental Security Income or other benefits. Find further information on Supplemental Security Income eligibility here.

How to Apply for Supplemental Security Income

It is important to apply for the Supplemental Security Income program as soon as you may be eligible to not miss out on any benefits. The Social Security Administration does not administer benefits for months before your application date.

To apply for Supplemental Security Income, complete the following three steps:

  1. Review the application requirements and gather documentation related to your age, citizenship, disability status, income, resources, work history, and living arrangements.

Learn what documents you need here.

  1. Choose how you are going to apply, whether online, by phone, or in person.

To apply for Supplemental Security Income online, you must be an adult with a disability. Click here to begin the online application through the Social Security Administration website.

To apply for Supplemental Security Income by phone, call 1 (800) 772-1213 to schedule an appointment. During your appointment, a Social Security Administration representative will help you complete your application.

To apply for Supplemental Security Income in person, click here to find your nearest Social Security office. Call your local office or 1 (800) 772-1213 to schedule an appointment and reduce your wait time.

  1. Submit your application.

If you have any questions about the application process or require assistance, contact the Social Security Administration at 1 (800) 772-1213. You can also email the Social Security Administration by completing the online general information form here.

Or, contact your nearest local Social Security office. Click here to find your closest Social Security office.

How to Check Your Application Status

You can check the status of your Supplemental Security Income application online, by phone, or in-person:

  • Log into your account through the Social Security Administration here. You may only check the status of your application online if you submitted your application online.
  • Call the Social Security Administration at 1 (800) 772-1213.
  • Contact your local Social Security office. Click here to find your nearest Social Security office.

What Happens After You Apply for Supplemental Security Income?

The Social Security Administration will review your application to verify if you are eligible for Supplemental Security Income. In some cases, the SSA may contact you for additional information before approving your application.

Once your application has been processed, you will receive a letter detailing if your Supplemental Security Income application was approved or denied. If approved, you will receive a Benefit Verification Letter. If you are denied SSI benefits, your letter will detail why you were denied benefits.

How to Appeal Denials

Supplemental Security Income applications are denied if applicants do not meet eligibility requirements. Also, beneficiaries can have their benefits reduced or terminated if their eligibility status changes while enrolled in the Supplemental Security Income program.

Learn more about Supplemental Security Income eligibility requirements here.

If your Supplemental Security Income application is denied or your benefit amount is reduced, you have the right to file an appeal. You must send your request within 60 days of receiving a notice of denial or benefits reduction.

You can file for an appeal online, by mail, by fax, by phone, or in person.

To file an appeal online, complete the online Appeals Council Request for Review form here.

To file an appeal by mail, complete the Request for Review of Hearing Decision/Order here and submit the completed form to:

Appeals Council, SSA/OARO

5107 Leesburg Pike

Falls Church, VA 22041-3255

To file an appeal by fax, complete the Request for Review of Hearing Decision/Order here and submit the completed form to 1 (833) 509-0817.

To file an appeal by phone, contact the Social Security Administration at 1 (800) 772-1213.

To file an appeal in person, contact your nearest local Social Security office. Click here to find your closest Social Security office.

How to Report Changes

You must report changes to the Social Security Administration that may impact your Supplemental Security Income eligibility or benefit amount within ten days. Changes that must be reported include changes to your:

  • Income
  • Living arrangements
  • Resources
  • Marital status
  • Citizenship or immigration status
  • Living expenses
  • Address

Failing to report a change can result in a $25 to $100 Supplemental Security Income benefit amount reduction each time you fail to report a change. If you are overpaid due to a change, you will be required to pay back the overpayment.

Learn more about reporting changes to the Social Security Administration here.

Need More Help?

For help with a Supplemental Security Income application or any further questions about the SSI program, contact the Social Security Administration at 1 (800) 772-1213. You can also email the Social Security Administration by completing the online general information form here.

Or, contact your nearest local Social Security office. Click here to find your closest Social Security office.

View or Download Our Free Guide

While we are not affiliated with the government in any way, our private company engaged writers to research the Supplemental Security Income program and compiled a guide and these  answers to frequently asked questions. Our goal is to help you get the benefits that you need by providing useful information on the process.

Our free Supplemental Security Income Guide is filled with helpful information about how to apply, program eligibility, and how to get in touch with local offices. You can view our free guide here.