What is SSI redetermination?

Resources

You cannot receive SSI if you have financial resources such as savings and investments that are collectively worth more than $2,000 for an individual or $3,000 for an eligible married couple. Among other things, resources include bank accounts, retirement accounts, life insurance and property other than your primary residence. As with income, the SSA exempts some assets from the count.

Living arrangements

Where you live and with whom can affect your SSI status. For example, Social Security may reduce your benefit if you live with someone other than a spouse (or, in the case of a child beneficiary, a parent) and pay less than an equal share of housing costs, or if you move into a nursing home or medical facility where Medicaid covers more than half your costs.

When you apply for SSI, Social Security considers all these factors in determining whether you qualify and how much you should receive each month. By the same token, it weighs subsequent changes in these circumstances in redetermining your continuing eligibility.

You’ll be asked about things like recent or anticipated earnings, how much you have in bank accounts or cash at home, whether anyone has moved into or out of your household, and whether anyone is giving you money or helping pay your bills. You may need to refer to or provide financial records, including:

• Bank statements
• Pay stubs or tax returns
• Proof of other income such as pensions, unemployment benefits or worker’s compensation
• Burial contracts
• Life insurance policies
• Bills and receipts showing housing costs such as rent and utilities

What does redetermination mean for SSI benefits?

Redetermination measures changes in your finances or living situation since Social Security last assessed your SSI eligibility — that is, since your initial application or previous redetermination. If there are no changes, or at least none that would alter your benefit status, your payment continues as is.

However, if your financial situation has materially changed, the SSA could raise or lower your benefit or revoke your eligibility outright. The resulting effect on SSI status can be retroactive, depending on when the event that triggered it occurred.

For example, say that while receiving SSI, you move in with a sibling who pays your rent — assistance the SSA considers “in-kind income.” Three months later, you have a redetermination, and Social Security lowers your benefit based on your different living arrangement. Along with reducing your payment going forward, the SSA may conclude you’ve been getting more in SSI than you were entitled to and seek repayment of some or all of your benefits for those three months or longer.

How often is SSI eligibility reviewed?

Redeterminations are done by SSA field office personnel and typically scheduled every one to six years. The frequency depends on how likely it is, in Social Security's view, that your situation will change in a way that affects your benefits. For example, someone performing work that the SSA considers “substantial gainful activity” will undergo redetermination annually.

Social Security might also conduct a redetermination when a beneficiary reports a life event that could affect SSI eligibility or payments, such as a change in income, marital status or household composition. Childhood SSI recipients undergo the process at age 18 to determine if they qualify for adult disability benefits.

When it’s your turn, Social Security will notify you by mail. You’ll receive a redetermination form to fill out or a letter proposing a scheduled date and time for an interview by phone or at a local SSA office. 

You have 30 days to respond by returning the completed questionnaire, confirming the scheduled appointment or requesting a different interview date. If you don’t respond within 30 days, your benefits could be terminated. If you were enrolled in Medicaid because you collected SSI, as is the case in many states, you could lose that coverage as well.

Keep in mind

• Life changes that could affect your SSI benefits should be reported to Social Security no more than 10 days after the end of the month in which they occurred.​
• A redetermination might include questions about a spouse’s income and assets as well as your own. Social Security can consider your spouse’s finances in determining your SSI eligibility and payment, a process known as “deeming.”​
• The SSA may contact financial institutions you do business with to verify the information you provide in a redetermination. You must give them permission to do so as a condition for receiving SSI.​
• If a representative payee manages your benefits, the SSA will contact that person to schedule a redetermination interview or fill out the relevant forms.​​