In 2025, there are new rules for Supplemental Security Income (SSI) payments, which has created curiosity for many people who are already receiving Social Security benefits. The good news is that it is possible to receive both SSI and Social Security benefits at the same time! Around 2.5 million adults and children already receive both. However, to qualify, you must meet certain income and resource limits. Let’s break down the essential information:
What is Social Security and SSI?
Social Security provides financial assistance based on your work history and earnings. It supports:
- Retired workers
- Disabled individuals
- Survivors of deceased workers
- Eligible family members
Supplemental Security Income (SSI) is a needs-based program, not dependent on your work history. It provides financial assistance to people with little or no income and minimal resources.
Eligibility Criteria for SSI Payments (2025)
To qualify for SSI, you need to meet specific eligibility requirements based on your age, income, and resources:
- For those under 65: You must have a disability or limited resources to qualify.
- For those 65 and older: You don’t need to be disabled, but your income and resources must fall within SSI limits. Approximately 1.4 million seniors receive both SSI and Social Security.
Income Limits for SSI (2025)
In 2025, to qualify for SSI, your total monthly income (including Social Security) must be less than $987. This amount includes the federal benefit rate of $967, plus a $20 allowance.
Income Types That Count Toward SSI Eligibility:
- Social Security benefits (retirement, disability, survivor)
- Pensions
- Veterans’ benefits
- Unemployment benefits
- Earnings from work (only part of your wages may count)
Certain income may be excluded, so it’s important to verify SSI’s income rules.
Resource Limits for SSI (2025)
Resources are assets that can be converted into cash, such as:
- Bank accounts, stocks, bonds
- Additional vehicles (if you own more than one)
SSI Resource Limits:
- $2,000 for an individual
- $3,000 for a married couple
If you’re married, both your and your spouse’s resources are considered. For children, parents’ resources might be taken into account.
Resources That Don’t Count Toward SSI Eligibility:
- Your home (if you live in it)
- Your primary vehicle
- Certain other assets (check the SSI exceptions list for more details)
How to Apply for SSI
If you think you qualify, you can apply online via the official SSI webpage, call 1-800-772-1213 (Monday-Friday, 8:00 AM – 7:00 PM), or visit your local Social Security office.
Medicaid and Medicare for SSI Recipients
If you qualify for SSI, you will most likely be eligible for Medicaid, a state-run healthcare program.
Medicare is a federal health insurance program available to:
- People aged 65 or older
- People receiving Social Security disability benefits
- Individuals with kidney failure requiring dialysis or a transplant
Many SSI recipients are eligible for both Medicaid and Medicare, which helps with healthcare costs.
Conclusion
Even if you’re already receiving Social Security benefits, you may still be eligible for Supplemental Security Income (SSI) if your income and resources are within the SSI limits. This added financial assistance can help with basic needs like food, shelter, and medical expenses.
FAQs:-
Can I get SSI if I already receive Social Security?
Yes, you can receive both SSI and Social Security if your income and resources are within SSI limits. About 2.5 million people already do.
What is the income limit for SSI in 2025?
In 2025, your total monthly income, including Social Security, must be less than $987 to qualify for SSI.
How do I apply for SSI?
You can apply online, call 1-800-772-1213, or visit your local Social Security office for help.
