What is SSI, and why should my young adult apply?

Supplemental Security Income (SSI) is monthly payments to individuals with disabilities who have limited financial resources. It is an important program for young adults with disabilities when they are in education or training programs or moving from school to work. The funds can be used for basic needs such as housing, food, and transportation.

Qualifying for SSI also allows your young adult to apply for and receive Medical Assistance (MA).

Who is eligible for SSI?

Your young adult must meet the income, resource, and disability criteria:

• Income: Monthly income must be less than $1,620/month (in 2025).
• Resources: Less than $2,000 of funds or other assets. The value of their home, vehicle, and personal belongings are not included.
• Disability: Must be determined to have a physical or mental impairment that prevents them from working and will likely last more than 12 months.

How does my young adult apply? Can I help them?

They can apply online, by phone, or in-person. Call 1 (800) 772-1213 to apply by phone or make an appointment. Your young adult should attend the appointment if possible. You (the parent) or another representative can complete the SSI application for them. You will be asked to provide financial and medical documents when you apply.

How does SSI decide if my child’s disability qualifies?

First, the Social Security Administration will receive the information submitted in the application. You should ensure that information from doctors is current and describes the full impact of your young adult’s disability.

Next, you will also be asked to complete a report about your young adult’s Activities of Daily Living (ADL). Describe the ways their disability affects their ability to work, take care of themselves, and participate in other activities. It is important to fully explain their challenges and the supports needed to complete tasks. Other people in your child’s life will also be asked to complete a similar form.

What if my child doesn’t qualify?

If you receive a notice that your young adult’s application was denied, you have 60 days to appeal. Individuals are often denied if the medical information is not complete or clear. You can submit additional documentation with your appeal.

Can my young adult work while receiving SSI?

Yes! Many people think that individuals on SSI can’t work. However, there are special rules that allow young adults with disabilities to work while keeping their SSI and MA benefits. You should reach out to their vocational rehabilitation (VR) agency or community rehabilitation provider to explore options.