A comparative study of elderly SSI recipients, denied applicants, and eligible nonapplicants

Based on data from the 1982 Social Security New Beneficiary Survey (NBS), the 1991 New Beneficiary Follow-up (NBF), and Social Security administrative records, this study analyzed determinants of the elderly's Supplemental Security Income (SSI) participation, denied application, and nonapplication. In the analysis, SSI application is conceptualized as an outcome of a complex interaction among financial, sociodemographic, health, and informational factors as well as those indicative of elderly persons' subjective perception of need. The findings indeed confirmed that objective financial need does not automatically lead to SSI application. Sociodemographic and health-related factors mediating the objective financial need are identified, although the subjective perception of need and informational barriers requires further evaluation. Policy implications include continued dissemination of information about SSI and relaxation of the resource test to qualify more low-income elderly.