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Knowing the Factors Considered when Assessing Supplemental Security Income Claims

By Edited Oct 10, 2015 0 0

Supplemental Security Income (SSI) is known as a federal program that provides cash payments in order for the recipient to meet his needs for shelter, clothing, and food.

Disabled or blind people who have no or insufficient income are entitled by the law to receive financial help by filing a SSI claim. However, Social Security can reject claims that failed to meet the different requirements that are imposed by it.

SSA will first assess the following factors before it approves or rejects a claim:


Resources are the things that you own including your real estate, cash, bonds, stocks, and bank accounts. You may have a successful claim if the amount of all your resources does not exceed $2,000. Meanwhile, the amount of your resources should not be over $3,000 if you are currently married.

Social Security does not assess everything that you own when determining if you are eligible for SSI benefits. Examples of resources that it does not count include the following:

  • Your car.

  • Life insurance policy, which is only worth around $ 1,500 or lower.

  • Burial plots that you have purchased for you and you immediate family members.

  • The house where you reside and the land where it is built.

  • Burial funds worth $1,500 for you and another $1,500 for your spouse.


Income is the amount of money that you are entitled to receive including your Social Security benefits, pensions, salary, and other things like shelter and food. You can still receive SSI benefits, though you are receiving your monthly income, if the place where you live in allows it.

Here are some examples of income that are not counted by Social Security:

  • Food stamps
  • Most of your home energy assistance
  • Shelter that is provided to you by private non-profit organizations

If you are married, Social Security will consider a part of your spouse's resources and income while it is deciding if you are qualified to receive SSI benefits. Meanwhile, the agency will assess a part of your parents' resources and income if you are below 18-years-old.

Here are other examples of income, which depends on a person's status:

  • Blind or disabled- if you are blind or suffering from other kinds of disability, Social Security may not count a part of the income that you have saved or are using just to undergo training or to purchase things, which can help you work.
  • Student- Scholarships or wages that you receive may not be considered.

  • Sponsored non-citizen- Your sponsor's resources and income may be considered.


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