What Is the Maximum SSI Payment in 2024?

As of 2024, the federal maximum monthly SSI payment is:

• $943 per month for an eligible individual
• $1,415 per month for an eligible couple
• $472 per month for an essential person (someone who lives with you and provides care)

These amounts are adjusted annually based on cost-of-living increases (COLA), so they may change each year.

Do States Add to the Federal SSI Payment?

Yes—some states offer additional SSI payments, known as state supplements. The amount varies based on where you live and your individual circumstances. For example, people who live in assisted living facilities or who have specific medical needs may qualify for higher payments in certain states.

To find out if your state offers a supplement and how much you might receive, you can:

• Check with your local Social Security office
• Visit your state’s Department of Health and Human Services
• Call the SSA at 1-800-772-1213

What Factors Can Affect Your SSI Payment?

While the federal maximum sets a cap, the actual amount you receive may be less depending on several factors:

• Income: SSI is a need-based program. If you earn income from a job or receive other benefits (like SSDI or pensions), your SSI payment may be reduced.
• Living arrangements: If someone else pays for your food or housing, or if you live with family, your benefit may be lower.
• Marital status: If you're married, the SSA considers your spouse’s income and resources when calculating your benefit.

How Is SSI Payment Calculated?

Here’s a simplified version of how the SSA calculates your monthly SSI payment:

• Federal Benefit Rate (FBR) – Countable Income = Monthly SSI Payment

For example, if you’re eligible for the $943 maximum but earn $200 in countable income, your payment would be:

• $943 - $200 = $743 SSI payment

Note: Not all income counts, and the SSA excludes certain types of income when determining your "countable" amount.