Understanding Supplemental Security Income SSI General Information -- 2026 Edition

SUPPLEMENTAL SECURITY INCOME (SSI) GENERAL INFORMATION


SSI MONTHLY FEDERAL BENEFIT RATES (FBRs) AND LIVING ARRANGEMENTS

See the chart below to determine the maximum monthly SSI payment you can get in the following living arrangements if both of the following are true:

    small blue ballyour State does not add to the SSI monthly FBR; and

    small blue ballyou have no countable income.

See SSI Income for more information on countable income.

Depending on what State you live in, you may receive a supplemental payment. Some States contribute to the total amount payable to SSI recipients. This amount varies from State to State. See SSI Benefits for more information on the State supplement. The chart below refers to the amount you get from the Federal Government only, provided you or your spouse do not receive any other countable income.


Live alone or pay your share
of food and housing costs
January 2026
Individual/Child $994
Couple $1,491
Live in the household of another January 2026
Individual/Child $662.67
Couple $994.00
Live in a Medicaid Institution January 2026
Individual/Child $30

NOTEAmounts given are general guidelines only. For more information about living arrangements, see our chapter on LIVING ARRANGEMENTS and the SSI Spotlight on Living Arrangements.

WHAT ARE INSTALLMENTS?

When you are eligible for past-due SSI payments, Social Security must first reimburse the State if you received any monetary Interim Assistance while you were waiting for your SSI decision. If the remaining past-due benefits are large, we must pay them in installments. The installment payments are made in no more than three payments, at six-month intervals.

There is an exception that allows the amount of the first and second payment to be increased because of certain debts.

There are also two exceptions that would permit payment of all unpaid benefits due an individual to be paid in one lump sum:

  • If you have a medical condition that is expected to result in your death within 12 months.
  • You become ineligible for SSI and you are likely to remain ineligible for 12 months.

SSI RESOURCE LIMITS

You can get SSI in all States, if we count the things you own, and they are worth less than the following:

Resource Limits January 2026
Individual/Child $2,000
Couple $3,000

NOTEWe do not count all of the things you own as a resource. For more information about resources, see our chapter on RESOURCES and the SSI Spotlight on Resources.

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