ABA Family Legal Guide

The Rights of Older Americans

Social Security and Supplemental Security Income

Supplemental Security Income

I have virtually no money. I don't qualify for regular Social Security or disability benefits. Can Social Security help me anyway?

The supplemental security income (SSI) program pays benefits to persons who

1. are age sixty-five or over, or are disabled or blind; and

2. have very limited income and personal property.

The Social Security Administration runs the SSI program. However, it is supported with income tax dollars rather than Social Security taxes on workers' wages.

SSI benefits are not large and the eligibility requirements are strict. You must have very little income and own very little property. If you think you qualify, check with your local Social Security Administration office. One of the benefits of getting even a dollar in SSI is that in most states you become eligible for free medical care through Medicaid.

To apply you will need your Social Security number, proof of age, and a wide variety of financial information. You'll want to have a record of your mortgage and property taxes, records of your utility costs and food costs, payroll slips, income tax returns, bankbooks, and insurance policies.

If you are applying because of disability or blindness, you also will need copies of your medical records. Be sure to have the names and addresses of physicians who have treated you and hospitals where you have been a patient. You also will need information about jobs you have held in the past. If you have worked with a social service agency, give the name of a worker who knows you.