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A Brief Summary of SSI Disability

May 29, 2012 | Comments: 0 | Views: 175

If you are 65 years or older, blind or disabled, and have limited income and resources, you may be applicable for SSI disability coverage. Certain conditions apply for applicants, which we will cover in this article.

If you are a U.S. citizen or national, or fall within certain categories for aliens you may be eligible for SSI disability. To be covered, applicants must also meet guidelines for blindness or disability as outlined in the terms for eligibility.

Blindness is defined in this program as those with "statutory blindness," or those with a central visual acuity of 20/200 in their better eye with corrected lenses or has a visual field limitation in their better eye of no more than a 20 degree diameter. Some people that have vision impairments that do not qualify on the grounds of "statutory blindness" may still be eligible under the guidelines for SSI disability.

You may be considered disabled if you have a physical or mental condition that keeps you from being able to perform the tasks necessary for substantial gainful activities, can be expected to result in death, or has lasted for a duration of twelve consecutive months or can be expected to last for said duration.

As previously stated, to be eligible, applicants must have limited income. Not all income sources, however, are counted towards your claim. Income that is counted includes compensation from work, money received from Social Security benefits, unemployment, VA benefits, friends or family, or free food or shelter. Income not counted includes but may not be limited to the first $20 of most income received in a month, the first $65 of earnings and one half of any earnings over $65 received in a month, income tax refunds, home energy assistance, State or Local government assistance based on need, small amounts of irregular or infrequent income, and the value of food stamps. Other income not counted includes home energy assistance, nonprofit food or housing assistance based on need, education and tuition assistance, the first $2,000 dollars received annually from clinical trials, disaster assistance, loans, or the cost of work related expenses relating to a worker's blindness or disability.

Your resources will also be taken into account when assessing eligibility. Resources that are counted include cash, bank accounts, stocks, bonds, land, life insurance, personal property, anything that can be sold to pay for food or housing, and "deemed resources". Deemed resources are resources of a spouse, parent, parent's spouse, alien sponsor, or a sponsor's spouse that are considered to be belonging to a SSI applicant. Some resources not counted are the home you live in and the land it is on, household items, personal effects, one vehicle that is used to transport an applicant or immediate family member, burial spaces and funds not exceeding $1500, life insurances policies with a face value of $1,500 or less, funds set aside for educational expenses up to nine months from receipt, and up to nine months of retroactive SSI or Social Security benefits.

There are restrictions on eligibility that cover a wide range of individuals and their status. Those who are incarcerated, a fugitive of the law, non-qualified aliens, or reside in a public institution are not generally eligible for SSI benefits. Exceptions may be made for those living in public institutions such as emergency homeless shelters or publicly operated community residences.

To see a full list of eligibility requirements and guidelines for SSI disability, visit the Social Security office, their website, or any of the online resources for information on this subject.

I'm a social security consultant with an expert knowledge of social security disability forms. For more resources and information, check out SSI disability.

Source: EzineArticles
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