This paper is meant to highlight challenges faced by individuals with disabilities inside the United States, focusing on the personal difficulties in securing employment, funding and benefits, and financial independence. The Social Security Act aims to provide financial support to those who cannot work due to disability. However, the Supplementary Security Income (SSI) program has several weaknesses, including strict eligibility criteria, that often leave many in need without support. Issues such as rigid income caps and biases in determining eligibility contribute to the problem. The paper argues for policy reform to increase the income cap, adjust spousal income considerations, and provide wrap-around support, which would help create a more inclusive and responsive SSI program. These changes aim to better support the diverse needs of individuals with disabilities and ensure they can lead more fulfilling lives without undue financial hardship.
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