SSI Eligibility for Adults vs. Children: What You Need to Know

Understanding SSI Eligibility Criteria

The Supplemental Security Income (SSI) program, administered by the Social Security Administration, provides financial aid to individuals with limited income and resources who are disabled, blind, or over the age of 65. It's important to understand that SSI eligibility differs for adults and children. Here’s a closer look at the criteria and how RGV Disability, PLLC can support you in navigating these differences.

Adult Eligibility Criteria

For adults to qualify for SSI, they must meet strict income and resource limits. In Texas, as elsewhere, an individual's countable resources must not exceed $2,000, while a couple's combined countable resources should not exceed $3,000. These resources include cash, bank accounts, land, vehicles, personal property, life insurance, and more. Additionally, adults must demonstrate a disability that significantly affects their ability to work and is expected to last at least a year or result in death.

SSI Eligibility for Children

Children under the age of 18 (or 22 if still a student) may also qualify for SSI if they meet certain conditions. Parents' or guardians' income and resources are considered when determining SSI eligibility for children, a process known as "deeming." A child must have a physical or mental condition that seriously limits their activities, expected to last at least a year or result in death. This requirement underscores the importance of accurate medical documentation to support the application.

Common Misconceptions

One of the most common misconceptions is the belief that any income or resources automatically disqualify an individual from receiving SSI. However, not all resources count toward these limits. For example, one’s home or primary vehicle is generally not considered. Additionally, misconceptions about medical eligibility can lead to discouraged applicants. Understanding the necessary criteria and properly documenting medical conditions are crucial steps toward successful applications.

How RGV Disability Can Help

Navigating SSI applications and misconceptions can be challenging. At RGV Disability, PLLC, we focus on helping clients understand the nuances of SSI eligibility specific to Texas, and New Mexico, including queries about SSI income limits and eligibility distinctions between adults and children. Our expertise in handling these cases means we can guide you efficiently through the application process, enhance your understanding of what counts as countable resources, and advocate on your behalf. Whether you are applying for SSI for yourself or a loved one, it's essential to get accurate information and professional assistance. Contact RGV Disability, PLLC today to learn more about how our knowledgeable team can assist you in navigating SSI eligibility.