You Might Be Missing Out on SSI and Social Security—Find Out If You Qualify!

Many individuals may qualify for both Supplemental Security Income (SSI) and Social Security benefits, providing essential financial support to those with limited income and resources. Understanding the eligibility criteria and application process is crucial for maximizing these benefits.

Understanding SSI and Social Security Benefits

Social Security benefits are based on a worker’s earnings and are paid to the worker and their eligible family members. In contrast, SSI is a needs-based program that offers payments to individuals with little or no income and few resources. Notably, about 2.5 million adults and children receive both SSI and Social Security benefits simultaneously.

Eligibility Criteria for SSI

To qualify for SSI, applicants must meet specific income and resource limits:

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• Income Limits: In 2025, individuals may be eligible for SSI if their total income—including Social Security benefits—is less than $987 per month. This amount reflects the 2025 SSI monthly federal benefit rate plus an additional $20. Income from non-work sources such as pensions, veterans’ benefits, unemployment, and Social Security disability, retirement, or survivors benefits is considered. Some earnings from work, including self-employment, are also counted.
• Resource Limits: Resources include assets that can be converted to cash for support, such as additional vehicles, bank accounts, stocks, and bonds. To be eligible, resources must not exceed $2,000 for a single person or $3,000 for a married couple living together. Certain assets, like the primary residence and usually one vehicle, are excluded from these limits.

Applying for SSI and Social Security Benefits

Individuals interested in applying for SSI can visit the Social Security Administration’s SSI webpage to assess eligibility and learn about the application process. For questions or assistance, applicants can call 1-800-772-1213, Monday through Friday, from 8:00 a.m. to 7:00 p.m.

It’s important to note that individuals eligible for SSI are generally also eligible for Medicaid, a state-run health coverage program. Additionally, Medicare, the federal health insurance program, is available for people who are 65 or older, receive Social Security disability benefits, or have certain medical conditions. It is possible to be enrolled in both Medicaid and Medicare simultaneously.

By understanding these programs and their eligibility requirements, individuals can access the financial assistance they need to support their well-being.

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