To see if you qualify for Supplemental Security Income (SSI), the Social Security Administration (SSA) will: Show
If your resources and countable income are below the limits and you have a disability, Social Security will give you a monthly SSI benefit to help you pay for your basic needs. The amount you get each month will depend on how much other income you have. SSI’s Resource LimitWhen you apply for SSI, you have to list money and property that you own. These are called resources. Some resources don’t count towards SSI’s resource limit, like the home you live in and and one vehicle. Social Security has a complete list of excluded resources. Additionally, if your disability began before you turned 26, you can open an ABLE account where you can keep up to $100,000 in resources and not have them counted by SSI. Learn more about ABLE accounts. Countable resources are all resources that aren’t excluded. You must have less than $2,000 in countable resources ($3,000 for a couple) to qualify for SSI benefits. If your countable resources are below the resource limit, you may qualify for SSI. Example Billy has $4,000 in a savings account, so he does not qualify for SSI benefits. SSI’s Income Limit for Your Living SituationThe most you can get in SSI each month is what Social Security thinks somebody in your situation needs to spend on basic needs. The countable income limit for getting SSI is the same as this maximum benefits amount. This table shows the maximum possible SSI benefits for some common living situations. These situations are explained in detail below. SSI Monthly Maximum Benefits/Countable Income Limits
Note: These numbers are adjusted each year for the cost of living. Not all income is countable Social Security doesn’t count all of your income when they look at whether you qualify for SSI and, if so, how much you should get in benefits each month. For example, you could make $1,500/month at work and still qualify for SSI, because Social Security would not count more than half of your earned income. Learn more about how your income is counted for SSI. Living ArrangementsIf you live alone, the most you can get in SSI each month is $841. However, the countable income limit for SSI and the maximum benefit you can get may be different if:
If you are under 18 and living with your parents or relatives, the rules are different. Learn more about them in DB101’s Benefits for Young People article. Rules for CouplesHow SSI looks at your income and possible benefits depends on whether your spouse also qualifies for SSI. If Your Spouse Does Not Qualify for SSIIf you are married and your spouse doesn’t qualify for SSI, then Social Security figures out how much of your spouse’s income can be used to help pay for your basic needs. This process is called spousal deeming. For each dollar of your spouse’s income that can be deemed, your maximum SSI benefits amount will go down by a dollar. Example Magda injures her spine and applies for SSI. Social Security reviews her application and decides that she has a disability and that she and her husband, José, are below the resource limit. When they look at José’s income from his part-time job, they figure that he can use $450 of his monthly income to help pay for Magda’s basic needs. After the spousal deeming, the maximum possible SSI benefits amount Magda could get each month is $841 - $450 = $391. If Your Spouse Does Qualify for SSISocial Security calls you part of an “eligible couple” if:
The most an eligible couple can get in SSI each month is $1,261 (only about 150% of the individual maximum of $841). Rules If Somebody Else Helps Pay for Your Food and ShelterIf you are single and pay for your own food and shelter, you get up to $841/month in SSI benefits. Shelter expenses can include rent, mortgage payments, property taxes, heating fuel, gas, electricity, water, sewer service, and garbage collection. To qualify for this benefits amount if you live alone, you cannot get help paying for these expenses. If you live with other people, you must pay your fair share without getting help. If someone else pays for some or all of your food and shelter, Social Security may reduce the maximum SSI benefits amount you can get. This is called in-kind support and maintenance and how Social Security counts it depends on your situation. The Value of One-Third Reduction (VTR) RuleThe VTR rule says that the most you can get in SSI benefits goes down by one-third if:
The VTR rule is all or nothing. It doesn’t matter how much you actually get in free food or free shelter; all that matters is that you get both from somebody living in the same household and you don’t pay anything for them yourself. Usually, the maximum SSI benefit is $841. The VTR reduction is one-third of that, or $280.33. Therefore, if the VTR rule applies, the maximum SSI benefits amount most people can get is $841 – $280.33 = $560.67. The Presumed Maximum Value (PMV) RuleThe PMV rule says that the most you can get in SSI benefits goes down by a certain amount if:
The exact amount your maximum SSI benefits go down depends on your situation:
Note: The support you get according to the PMV rule counts as unearned income for SSI. Because SSI's general income exclusion means the program doesn't count your first $20 in unearned income, the amount of SSI benefits you get may be the same regardless of whether the VTR or PMV applies. PMV examples
Rules If You Live in a Medical FacilityIf you live in a medical facility, such as a hospital or nursing home, you probably can’t get full SSI benefits:
How much money can you make and still get SSI in 2022?In 2022, a person must have less than $861 a month in unearned income to receive SSI. A couple can get SSI if they have unearned income of less than $1,281 a month in 2022.
How much can I earn and still get SSI?If you are younger than full retirement age and earn more than the yearly earnings limit, we may reduce your benefit amount. If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2022, that limit is $19,560.
How much money can you make without it affecting your SSI?Be sure to tell us if your earnings drop, or if you stop working. If your only income is SSI and the money you make from your job, we don't count the first $85 of your monthly gross earnings. Each month, we reduce your SSI benefits 50 cents for every dollar that you earn over $85.
How is SSI amount determined?In general, monthly amounts for the next year are determined by increasing the unrounded annual amounts for the current year by the COLA effective for January of the next year. The new unrounded amounts are then each divided by 12 and the resulting amounts are rounded down to the next lower multiple of $1.
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