Access Denied S3 with Paperclip

I'm getting acquainted with using S3 with ruby to upload files to Amazon Web Service. I recently was confronted with the following error: AWS::S3::Errors::AccessDenied Access Denied. In poking around on google, I found this post on the error. It claims that the bucket policies aren't sufficient to allow access via the web-app and that the user must be given "Administrator Access" as well.

I've given this a try and it works fine but I feel like this is an indication that I'm not doing it right, given that administrator access isn't mentioned in any other documentation I've read. I'm using the aws-sdk gem. Could anyone weigh in on whether or not this is necessary? Many thanks!