Step 1: Determine Your SSI Eligibility

To qualify for SSI, you must meet:

• Financial requirements: Limited income and resources under $2,000 for individuals or $3,000 for couples. This includes cash, bank accounts, and other countable assets.
• Medical requirements: A physical or mental disability that prevents you from working for at least 12 months or is expected to result in death.
• Citizenship requirements: U.S. citizens or certain categories of lawful residents may qualify.

Step 2: Gather Required Documentation

Before applying, prepare:

• Personal identification: Social Security card, birth certificate, or proof of lawful residency
• Financial records: Bank statements, property records, income statements, and information about benefits received
• Medical records: Doctor’s notes, hospital records, treatment summaries, medication lists, and any recent diagnostic test results
• Contact information: Names and addresses of all doctors, clinics, and hospitals where you have received treatment
• Living arrangement information: Rental agreements, utility bills, or household contribution details

Step 3: Submit Your SSI Application

You can apply for SSI in Maine in three ways:

• By phone: Call SSA at 1-800-772-1213 to schedule an application interview
• In person: Visit your local Social Security office (appointments recommended for faster service)
• Online: While full SSI applications for adults generally start by phone or in person, parts of the disability application can be completed online at www.ssa.gov

During your application:

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

Step 4: Cooperate With SSA During Review

After submission:

• SSA will review your financial eligibility first
• Your medical information is sent to Maine Disability Determination Services (DDS) for evaluation
• DDS may request additional records or schedule a consultative examination (CE) with an SSA-approved doctor if they need more evidence. Attend this exam to avoid delays or denial.

Step 5: Decision Timeline

• Processing time: The initial SSI decision generally takes 3 to 6 months, depending on case complexity and backlog.
• Possible outcomes:
• Approval: You’ll receive an award letter detailing your benefit amount and payment start date.
• Denial: You will receive a notice explaining the reason for denial and how to appeal.

Step 6: If Denied, File an Appeal

Many SSI claims are denied initially. If this happens:

• Request Reconsideration: File within 60 days of your denial notice.
• Hearing: If reconsideration is denied, you can request a hearing before an Administrative Law Judge (ALJ).
• Further appeals: Include Appeals Council review and federal court, if necessary.

Appeals often succeed with updated medical evidence and detailed doctor statements.