Supplemental Security Income (SSI) is a federal program that helps people with low incomes, especially older adults, children, and individuals with disabilities.
However, the amount of money you get from SSI is not the same for everyone. The payments vary depending on your age and other factors, such as whether you also receive Social Security benefits.
What is SSI and How Does it Work?
SSI is designed to support people who have limited income and resources. It helps cover living expenses like food, shelter, and medical care.
The government calculates SSI payments based on your financial needs and other income sources, which is why the amount can vary.
How Much Does SSI Pay?
As of October 2024, the average SSI payment is $697.50. However, this can change based on your specific situation. Some people get less than this amount if they have other sources of income, such as Social Security.
The maximum amount a person can receive is $943, but only those with very low incomes qualify for this amount.
SSI Payments by Age
The amount you get from SSI can depend on your age. Younger people tend to receive a higher average payment than older individuals.
- Under 18: The average SSI payment for children and teenagers under 18 is $803.97. This is about $106 more than the general average payment for all beneficiaries.
- Adults 18-64: People between the ages of 18 and 64 typically receive about $745 per month as of October 2024.
- Seniors 65 and Older: Seniors, aged 65 and above, receive a lower average payment of $576. This is because many older individuals also get Social Security benefits, which can reduce the amount they receive from SSI.
What Happens If You’re Married?
If you’re married, you and your spouse can receive a combined payment of up to $1,415. The Social Security Administration has not yet announced specific averages for married couples, but this amount represents the maximum possible payment for qualifying married individuals.
Payments for Essential People
In addition to the primary SSI beneficiary, some people who provide essential services to those in need may also receive SSI benefits. These individuals can get up to $472 per month, but the exact amount depends on individual circumstances.
The 2025 COLA Increase
In 2025, there will be a cost-of-living adjustment (COLA) increase, which will affect SSI payments. However, this increase will not be reflected in payments made on November 29, 2024. After the COLA increase, the new maximum SSI payment amounts will be:
- $967 for single individuals
- $1,450 for married couples
- $484 for essential people
The amount you receive from Supplemental Security Income (SSI) can vary depending on factors like age, marital status, and whether you have other income sources.
It’s important to understand how these factors affect your payment to plan your finances. Be aware of changes, like the upcoming 2025 COLA increase, which will impact the SSI amounts for everyone.
How much do people usually get from SSI?
As of October 2024, the average payment is $697.50, but the amount can vary based on income and other benefits. The maximum you can receive is $943.
Why do seniors get less SSI?
Seniors over 65 often receive less SSI because they might also be receiving Social Security benefits, which reduces their SSI payment.
How much does a child under 18 get from SSI?
Children under 18 on SSI receive an average of $803.97, which is higher than the average payment for all recipients.
What if I am married and getting SSI?
Married couples can receive up to $1,415 combined, depending on eligibility.
Will SSI payments increase in 2025?
Yes, SSI payments will increase with the 2025 COLA adjustment. After the increase, single individuals will get $967, and married couples can get up to $1,450.
