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Social Security Ssi
 
An answer to financial needs
SSI or social security income is a program which pays monthly checks to people in financial need who are 65 or older or who are blind or disabled. People who have little or no regular cash income and do not own much property or things that can be turned into cash, such as stocks, bonds, jewelry or other valuables may get SSI if they are disabled. As with regular Social Security disability, to be considered disabled, a person must be unable to perform work because of a physical or mental impairment which impairment has lasted or is expected to last for at least 12 months. There is not a specific work or earnings requirement to receive SSI and a person can collect SSI even if they have never worked.

Social Security SSI is a program that provides retirement, disability and survivor benefits to eligible workers and their dependents. If a worker and his or her spouse or parent has enough quarters of work to qualify for a Social Security benefit, he or she may be eligible for Social Security Income benefits. To be eligible for a full retirement benefit, a worker must be at least 65 years of age, have worked enough quarters to qualify, and have retired. Most workers need 40 quarters (10 years) to qualify for retirement benefits. Benefits are available as early as age 62, but using this option permanently reduces the amount of the benefit. The age at which you can retire receive full benefits depends on when you were born. Disabled workers are entitled to Social Security SSI benefits if they are unable to work as a result of impairments that are expected to last for at least 12 months or result in death.

In addition to having worked the minimum number of overall quarters needed to qualify for Social Security, applicants for Social Security benefits must also have worked a minimum number of quarters in the last ten years. Eligibility for Social Security disability benefits begins the sixth month after the onset of disability. The worker may be entitled to SSI disability benefits during this five-month waiting period. The waiting period can begin as early as 17 months before an application is filed. This means that an individual who was disabled 17 months prior to filing an application could be eligible for retroactive benefits for up to 12 months before the application date. Social Security SSI provides a minimum income to qualifying retirees, and to elderly, blind or disabled persons. It is not necessary to have a work history to be eligible for SSI, but the applicant must have limited income and resources. SSI retirement benefits are available at age 65. Disability benefits are available to persons age 64 and younger. As with Supplemental Security income benefit , applicants for SSI disability benefits must demonstrate impairments, which prevent them from working, and that are expected to last at least 12 months or result in death. In addition, the Supplemental Security Income Application must be made immediately to avoid missing the deadlines.

If a Social Security Supplemental Income recipient lives with someone who is not eligible for SSI, such as a spouse, a portion of the ineligible person’s income may be deemed to be available to the SSI recipient. However, a husband and wife can receive SSI benefits if they are 65, blind or disabled. Basically the living arrangements affect the income limits for both couples and individuals. Higher incomes may be entitled to those in domiciliary care. They may even receive more benefits. on the other hand, those living in household of another have lower income limits and benefits. Social Security and SSI recipients who are unable to manage their financial affairs may be required to have a representative payee to receive and account for their benefits. The payee is responsible for using the money for the recipient’s benefit, and for keeping the Social Security Administration informed of any changes that affect the recipient.
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