Step 1: Determine SSI Eligibility

To qualify for SSI, you must meet both financial and medical requirements:

• Financial eligibility: Limited income and assets under $2,000 for individuals or $3,000 for couples. This includes cash, bank accounts, and other countable resources.
• Medical eligibility: You must have a physical or mental condition that prevents you from working and is expected to last at least 12 months or result in death. There is no work credit requirement for SSI.

Step 2: Gather Required Documentation

Prepare these documents before applying:

• Personal identification: Social Security card, birth certificate, proof of citizenship or lawful residency
• Financial records: Bank statements, property records, income statements, and any benefits received
• Medical records: Doctor’s notes, hospital records, diagnostic tests, treatment plans, and medication lists
• Contact details: Names and addresses of doctors, clinics, and hospitals where you receive care

Step 3: Submit Your SSI Application

You can apply for SSI:

• By phone: Call SSA at 1-800-772-1213 to schedule an application interview
• In person: Visit your local Social Security office (appointments are recommended)
• Online: SSI applications for adults must generally be started by phone or in person, although parts of the disability application can be completed online

During your application:

• Provide detailed, honest answers about your disability and financial situation
• Explain how your condition limits your daily activities and ability to work

Step 4: Disability Determination Services (DDS) Review

Once your application is submitted:

• It is sent to Alabama Disability Determination Services (DDS) for a medical review
• DDS reviews your medical records and may request additional information
• You may be scheduled for a consultative exam with an SSA-approved doctor if more evidence is needed

Step 5: Initial Decision

• Timeline: The initial SSI decision typically takes 3 to 6 months, depending on case complexity and backlog.
• You will receive a notice in the mail stating whether your application was approved or denied.

Step 6: Appeals Process if Denied

Many SSI applications are denied initially. If this happens:

• Request Reconsideration: File within 60 days for a second review of your case with any new evidence.
• Hearing: If reconsideration is denied, request a hearing before an Administrative Law Judge (ALJ). Hearings are often scheduled 9 to 14 months out.
• Appeals Council review: If the ALJ denies your claim, you can request a review by the Appeals Council.
• Federal court: As a last resort, file a lawsuit in federal district court.

Appeals often succeed when backed by updated medical evidence and detailed doctor statements.

Step 7: Continuing Disability Reviews

If approved, your SSI benefits are subject to periodic reviews to confirm you remain eligible financially and medically.