The overlooked Social Security benefit hardly anyone knows about

pays extra benefits to low-income seniors and others in financial need. At first glance, eligibility for SSI looks a lot like the rest of Social Security, with monthly benefits potentially available to anyone 65 or older, disabled or blind.

It's common for many recipients to get regular Social Security and SSI benefits, but the programs are quite different. The biggest difference between SSI and regular Social Security is that you don't have to have any work history to qualify to receive SSI benefits. That stands in stark contrast to normal Social Security, which typically requires either you or your spouse to have a 10-year work history paying payroll taxes into the Social Security system.

Although Social Security is purely a federal program, there are several aspects of SSI that involve integration between federal and state governments. States have the option of adding amounts to the standard federal SSI benefit. Many states tie eligibility for other assistance programs to SSI, so those who qualify for SSI can receive health care or food assistance as well.There are a couple of tests you have to meet to get SSI benefits.

The second test involves how much income you're allowed to have. The key issue is whether what the program calls countable income exceeds a given threshold. Below are some of the items you're allowed to have as income without it counting against your SSI benefit:Up to $65 per month of earned income from work, plus half of earnings above $65Grants or scholarships for educational expensesdoesEach year, there's a standard federal benefit for SSI.

You have to reduce those amounts by the countable income calculated above. People in some states can get more than these amounts if the state government adds benefits on top of the federal amount.

The things many don't talk about is the folks who pay into the system but die before getting benefits, and those who pay into the system and can't get benefits.

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