Understand SSI Eligibility Requirements

SSI is a needs-based program, meaning it is intended for individuals who have very limited income and resources. The key eligibility requirements for SSI are:

• Age or Disability: You must be aged 65 or older, blind, or have a qualifying disability. To qualify as disabled, your condition must be severe enough to prevent you from engaging in substantial gainful activity (SGA) for at least 12 months or be expected to result in death.
• Limited Income and Resources: SSI is for those who have low income and limited resources. The SSA has strict guidelines regarding the amount of income and assets you can have and still qualify. For 2025, the resource limit is $2,000 for an individual and $3,000 for a couple.

Income and Resource Limits

SSI benefits are based on financial need, so both your income and resources will be considered. Here’s a breakdown of how income and resources are evaluated:

• Income Limits: Your income includes wages, pensions, Social Security benefits, and any other financial assistance you may receive. The SSA has strict limits on the amount of income you can earn to qualify for SSI.
• The federal SSI income limit is $794 per month for an individual (as of 2025), but this can vary slightly in certain states.
• Resource Limits: Your resources include savings accounts, property, investments, and anything else you own that has a cash value. The SSA generally does not count your primary residence or car, but any other significant assets will count toward the limit.

Gather Required Documentation

To apply for SSI, you will need to provide detailed documentation to support your claim. Here’s a list of important documents you may need:

• Personal Information: Your Social Security number, birth certificate, or proof of U.S. citizenship or lawful residency.
• Medical Documentation: If you are applying due to a disability, gather medical records, doctor’s notes, and any other relevant information that demonstrates the severity of your condition.
• Income and Financial Records: Submit records of your income, such as pay stubs, tax returns, and bank statements, as well as any evidence of other resources or assets.
• Living Arrangement Details: The SSA will ask about your living situation to determine if anyone else is supporting you financially. This could affect your SSI eligibility.

How to Apply for SSI Benefits in Tennessee

There are several ways to apply for SSI benefits in Tennessee:

• Online Application:
• The quickest way to apply is through the SSA’s online application at www.ssa.gov. You can create an account, fill out the application, and submit your documents online.
• Phone Application:
• You can apply by calling the SSA at 1-800-772-1213. A representative will walk you through the process and help you submit your application.
• In-Person Application:
• If you prefer to apply in person, visit your local SSA office in Tennessee. You can find your local office by visiting the SSA’s office or calling 1-800-772-1213 for assistance.

What Happens After You Apply?

Once you submit your SSI application, the SSA will review your case. This process can take several months. Here’s what you can expect:



• Initial Review: The SSA will examine your application and all supporting documents, including medical evidence. They will determine whether you meet the eligibility requirements.
• Approval or Denial: If your application is approved, you will begin receiving SSI benefits. If your application is denied, you will have the right to appeal the decision.