Step 1: Understand Basic SSI Requirements

To be eligible for SSI, you must meet the following federal criteria:

• Age or Disability Requirement:
• Be 65 or older, or
• Be blind, or
• Have a medically proven disability that prevents you from working and is expected to last at least 12 months or result in death.
• Income Limits:
• Your monthly income must fall below the federal benefit rate. In 2025, the maximum monthly income to qualify is around $943 for individuals and $1,415 for couples (this amount may vary slightly each year).
• Some income is excluded, like a portion of earned income and some government assistance.
• Resource Limits:
• Individuals must have less than $2,000 in countable resources.
• Couples must have less than $3,000.
• Exempt items include your primary home, one vehicle, and some personal items.

Step 2: Use the SSA's Online Eligibility Tool

The SSA offers an online Benefits Eligibility Screening Tool (BEST). While it doesn’t make a final determination, it can give you a good idea of whether you’re likely to qualify.

• Visit: https://ssabest.benefits.gov/
• Answer questions about your income, living situation, and health
• Review your estimated eligibility and next steps

This tool is confidential and free to use.

Step 3: Review South Carolina-Specific Guidelines

While SSI is a federal program, South Carolina does not offer an additional state supplement for most SSI recipients. However, you still must meet federal eligibility guidelines and be a resident of the state.

You can also contact the South Carolina Department of Health and Human Services (SCDHHS) or a local Social Security office for information about how the SSA evaluates cases in your area.

Step 4: Contact the SSA or Visit a Local Office

If you're unsure about your eligibility, the easiest way to get a clear answer is to speak directly with the SSA. You can:

• Call the SSA: 1-800-772-1213
• Visit SSA.gov: to apply or schedule an appointment
• Visit a Local SSA Office: Find the nearest office in your county in South Carolina

SSA representatives can walk you through the application and explain any documentation or financial details you need.