Title XVI benefits, also known as SSI or Supplemental Security Income benefits, are needs-based disability benefits that are administered by the Social Security Administration. Unlike Title II disability benefits, applicants do not need to have any work credits in order to qualify for Title XVI benefits. However, they do need to meet the income and asset restrictions set forth by the Social Security Administration.
Title XVI benefits are funded by general tax revenues, unlike Title II benefits which are funded by Social Security taxes. The SSI program was implemented to help disabled individuals who have little to no income. These benefits can help disabled individuals who face severe financial hardship with cash assistance for basic needs and living expenses. Those who are over the age of 65 and in financial need, but are not disabled, may also qualify for Title XVI benefits.
When applying for Title XVI benefits, you will need to be able to prove that you are suffering from a long-term or permanent disability which prevents you from performing gainful work activity (or that you are over the age of 65). The Social Security Administration will also look at your household income and assets. It can take months, or even years, to be approved for Title XVI benefits.
The maximum amount you can receive in Title XVI benefits is $674 per month for a qualifying individual and $1,011 per month for a qualifying couple. Some of the applicants who qualify for Title XVI benefits may receive more than this amount if the state they live in supplements federal SSI payments.
Individuals who qualify for Title XVI benefits may also qualify for additional assistance programs, such as medicaid and food stamps. If you are approved for Title XVI benefits, you may wish to talk to your local human services agency to discuss what other benefits you may be entitled to.