1. What Is SSI Disability?

Supplemental Security Income (SSI) is a needs-based program administered by the Social Security Administration (SSA). Unlike SSDI, it does not require work credits. SSI provides monthly cash benefits to eligible low-income individuals who are:

• Age 65 or older
• Blind, or
• Disabled (including adults and children who meet SSA’s disability criteria)

2. Who Is Eligible for SSI in Colorado?

To qualify for SSI in Colorado, you must meet:

a. Financial Eligibility

• Limited income: SSA counts most forms of income, including wages, pensions, and other benefits, but excludes certain sources like SNAP benefits.
• Limited resources: Total countable resources must not exceed $2,000 for an individual or $3,000 for a couple. Resources include bank accounts, cash, and property other than your primary residence and one vehicle.

b. Disability Eligibility

You must have a medically determinable physical or mental impairment that:

• Results in marked and severe functional limitations (for children) or prevents substantial gainful activity (SGA) (for adults)
• Has lasted or is expected to last at least 12 continuous months or result in death

SSA uses its Listing of Impairments to evaluate disability claims but will also consider functional limitations even if your condition is not listed.

3. How to Apply for SSI Disability in Colorado

Unlike SSDI, SSI disability applications for adults must generally be filed:

• By phone at 1-800-772-1213 to schedule an application appointment, or
• In person at your local SSA office (recommended for first-time applicants needing assistance with forms)

As of now, SSA does not allow online SSI applications for adults with no concurrent SSDI claim. However, applications for children’s SSI disability benefits can begin online by completing the Child Disability Report and then following up with an SSA interview.

4. What Documents Do You Need to File for SSI?

To file successfully, gather:

• Proof of age and identity: Birth certificate, passport, or state ID
• Social Security number
• Medical records: Diagnosis reports, treatment notes, test results, hospital records, therapy notes
• Contact information for all doctors, clinics, hospitals, and therapists treating your condition
• Proof of income: Recent pay stubs (if any), pension statements, or unemployment benefits
• Proof of resources: Bank statements, life insurance policies, property deeds
• Living arrangements details: Lease or mortgage documents, utility bills to determine in-kind support

Being organized and submitting all required documentation helps prevent delays and avoid an initial denial due to incomplete applications.

5. What Happens After You Apply?

After filing your SSI application:

• SSA forwards your medical portion to Colorado Disability Determination Services (DDS) to evaluate medical eligibility.
• DDS may request additional records or schedule a Consultative Examination (CE) if they need more information about your condition.
• SSA will review your financial eligibility alongside your medical eligibility.

6. How Long Does SSI Approval Take in Colorado?

The SSI application process typically takes 3 to 6 months, but timelines vary depending on:

• The complexity of your medical condition
• Speed of medical records collection from providers
• Whether SSA requests additional exams or evidence

If approved, your payments will begin shortly after, including back pay from the application date.

7. Tips to Strengthen Your SSI Application

• Seek regular medical treatment to maintain updated records supporting your disability
• Obtain detailed doctor’s statements outlining your functional limitations and prognosis
• Be honest and detailed on your application about your daily limitations, symptoms, and care needs
• Respond promptly to SSA requests for additional information to avoid delays or technical denials