SSI
A federal needs-based program administered by the SSA that provides monthly cash payments to adults and children with disabilities or blindness, and to adults 65+, who have limited income and resources.
Unlike SSDI, SSI is not based on work history — it is funded by general tax revenues.
2025 maximum federal SSI payment: $967/month (individual); $1,450/month (couple). Some states add a supplement.
Resource limit: $2,000 for individuals; $3,000 for couples. Excludes primary home, one vehicle, and ABLE accounts.
SSI recipients generally qualify for Medicaid automatically in most states.
→ *The SSA monitors bank accounts and other resources to ensure SSI recipients stay within limits.*
Also known as
Related terms
- ABLE Account
A tax-advantaged savings account for individuals with disabilities that allows them to save and invest money without losing eligibility for SSI, Medicaid, or other means-tested benefits.
- Back Pay
The retroactive disability benefits owed to an approved SSDI claimant, covering the period from the established onset date (minus the 5-month waiting period) through the month of approval.
- SGA
The earnings threshold used by the SSA to determine whether a person is engaging in work that disqualifies them from SSDI or SSI benefits.
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Frequently asked questions about SSI
What is Supplemental Security Income (SSI)?+
SSI stands for Supplemental Security Income. It's a program from the Social Security Administration. It gives money every month to adults and children who are disabled or blind. It also helps adults over 65. To get SSI, you must have very little money and very few things of value.
Who can get SSI benefits?+
You can get SSI benefits if you are disabled, blind, or age 65 or older. You must also have very limited income and resources. This means that if you have too much money coming in or too many things like savings or property, you might not qualify.
How do I apply for SSI?+
You can apply for SSI through the Social Security Administration (SSA). You can start your application online, by phone, or by visiting a local SSA office. The SSA will check your income, resources, and whether you meet the disability or age requirements.
How much money can I get from SSI?+
The amount of money you can get from SSI changes each year. It also depends on your living situation and any other income you might have. The SSA sets a maximum basic amount, but your personal payment could be less if you have other earnings.