Supplemental Security Income (SSI) is a federal program run by the Social Security Administration. Provides financial assistance to people over the age of 65, who are blind or disabled and have a low income.
It was established in 1974, does not require a work history, and is funded through general taxes rather than previous contributions.
Its goal is to provide basic necessities such as food, clothing, and shelter. Unlike Social Security retirement, SSI focuses on financial need. In 2025, the maximum federal payments are $967 for individual applicants and up to $1,450 for eligible couples applying together. Both figures reflect a 2.5% increase in the cost of living adjustment for 2025.
Eligibility requirements and resource limits for SSI benefits
To be eligible, applicants must meet three criteria: be over 65 years old, blind, or disabled; have an income within established limits; and have resources of less than $2,000 (individuals) or $3,000 for couples. The main residence, a vehicle, and necessary subsistence items are excluded.
Income is divided into earned (wages) and unearned (pension). Earned income is reduced by $65 and the remainder is reduced by half. The first $20 of unearned income is deducted, and the remainder is proportionally reduced from SSI. People living in other people’s homes and receiving free housing may see a reduction of up to a third.
You combine SSI with retirement benefits
84% of SSI beneficiaries have severe disabilities, including children whose limitations are comparable to those of adults. Approximately 2.5 million people combine SSI and Social Security benefits, as long as their total income does not exceed the established limits.
If their income is low, older adults without disabilities can receive assistance. Additional state payments vary: some states contribute hundreds of dollars, while others, such as Arizona or North Dakota, provide no supplements.
The amount is determined by subtracting countable income from the federal maximum. For example, a person with $200 in unearned income receives $787 ($967 minus $180 after deducting $20).
The reduction in labor income is smaller after deducting $65 and half of the remaining amount to encourage partial employment.
Remember that SSI is a supplemental system that can be provided to Social Security retirement beneficiaries, particularly those who cannot meet their living expenses on a single income. The initiative aims to prevent beneficiaries from falling into poverty.
Also See:- If You Don’t Claim Your $1,400 Tax Refund by April 15th, Prepare for the Worst to Happen
