Supplemental Security Income (SSI)

Welcome back! This blog provides financial resources and information for people living with cancer. In this post, I want to focus on Supplemental Security Income (SSI).

Understanding Supplemental Security Income (SSI) for People with Cancer

Supplemental Security Income (SSI) is a federal program that helps people with low income by providing “supplemental” financial support. The goal of SSI is to cover basic living expenses such as food, clothing, and shelter. If you qualify, you will receive monthly payments directly deposited into your bank account. SSI is an important program for people who are struggling financially due to age, blindness, or disability, including those living with cancer. In this blog post, we’ll explore how SSI works, who is eligible, and how you can apply.

What is Supplemental Security Income (SSI)?

SSI is a federal program that offers financial assistance to individuals who have limited income and resources. The program is designed to provide supplemental income to cover essential needs, such as food, clothing, and shelter.

The basic monthly SSI payment for 2025 is the same nationwide. It is:
— $967 for one person.
— $1,450 for a couple.
Not everyone gets the same amount

It’s important to know that SSI is not based on how much you have paid in taxes like Social Security Disability Insurance (SSDI). Instead, SSI focuses on your income and resources, so it’s available to people who meet certain income limits. Your payment amount may change depending on your income and living situation, as the program is meant to provide help based on need.

Who is Eligible for SSI?

To qualify for SSI, you must meet certain criteria. SSI is available to people who are:

• Over age 65
• Blind
• Disabled (with a disability expected to last at least 12 months or “result in death”)
• Low Income or No Income
• Low Resources or No Resources

For people under age 65, SSI is typically available to those with a disability, including individuals living with cancer. When it comes to cancer, the definition of “disability” under SSI guidelines includes conditions that are expected to last at least 12 months or “result in death”. This means that if you are diagnosed with advanced-stage cancer, you may be eligible for SSI benefits, depending on your income and assets.

Are People Living with Cancer Eligible for SSI?

Yes, people living with cancer can qualify for SSI. However, eligibility depends on several factors, including your income and assets.

If you are under age 65 and have an advanced stage cancer diagnosis, you are likely to qualify for SSI. It’s important to discuss your treatment plan with your cancer care team. They can help you understand how long your treatment might take and the expected outcome. This is important because the application process for SSI can take several months, and it’s helpful to begin the process as soon as possible.

The Importance of Medical Documentation

When applying for SSI, it’s essential to provide all the necessary medical documents that show how your cancer diagnosis meets the eligibility criteria. You will need to include a letter from your doctor explaining your diagnosis and treatment plan. This letter should explain in detail how your condition qualifies as a disability under the SSI rules.

It’s important to submit this information when you first apply for SSI, as the approval process can take a minimum of 90 days. If you are unable to handle this yourself, consider asking a family member or trusted friend to help gather the necessary documents and write the letters for you. This support can help avoid delays and ensure the process goes smoothly.

Health Insurance and SSI

In most states, if you qualify for SSI, you will also qualify for Medicaid. Medicaid is a health insurance program for people with low income. In many cases, you will not need to apply separately for Medicaid, as it is often automatically linked to your SSI eligibility. However, Medicaid coverage may vary depending on the state you live in.

How to Apply for SSI

The application process for SSI can be done online, by phone, or in person. To apply online, visit the Social Security Administration website: Apply for Social Security Benefits. The website offers step-by-step guidance to help you complete your application. You will need to provide information about your medical condition, income, and resources.

If you prefer to apply by phone or in person, you can call the Social Security Administration toll-free at 1-800-772-1213. They can help set up an appointment at your local office.

Conclusion

Supplemental Security Income (SSI) can be a vital source of support for people living with cancer, especially for those who have limited income and resources. By understanding how SSI works and knowing who qualifies, you can start the process of applying and getting the financial assistance you need. If you are living with cancer and believe you may qualify for SSI, talk to your cancer care team, gather the necessary medical documents, and apply as soon as possible to avoid delays. With SSI and Medicaid, you can have the financial support you need to focus on your health and well-being during your treatment.

For More Information:

Supplemental Security Income (ssa.gov)

You May Be Able to Get Supplemental Security Income (SSI) (ssa.gov)

A Guide to Supplemental Security Income (SSI) for Groups and Organizations 2025 (ssa.gov)

Checklist for Online Adult Disability Application (ssa.gov)

I hope this information is helpful.  If you would like to continue this conversation, please click on the Subscribe button at the top of the Blog page. I would love to hear your comments as well as resources that have worked for you. Please share this information with your family and friends.

Keeping you in my prayers,

Jackie