Supplemental Security Income (SSI) payments vary significantly based on age, income, and other factors.
While the maximum benefit in 2024 is $943, the average payment is often lower, as individual circumstances influence how much each recipient actually receives. Here’s a look at the different SSI payment amounts you may expect and how they are determined.
Why SSI Payments Vary
The Social Security Administration (SSA) calculates SSI payments based on several factors, including age, marital status, and other income sources.
SSI provides financial assistance to low-income individuals who are either aged, blind, or disabled, with the aim of covering basic living expenses. However, individuals with additional income sources, like Social Security benefits, often see a reduction in their SSI payments.
Key Factors Affecting SSI Payments
- Age: Average payments differ among age groups.
- Additional Income: Social Security or other income sources can reduce the amount of SSI received.
- Marital Status: Married couples receive a different maximum amount than individuals.
- Dependents: Certain household members, such as “essential persons,” may qualify for additional assistance.
Average SSI Payments by Age
According to the SSA’s Monthly Statistical Snapshot for October 2024, SSI payments differ by age group:
| Age Group | Average Monthly Payment |
|---|---|
| Under 18 | $803.97 |
| Ages 18-64 | $745.00 |
| Aged 65 or Older | $576.00 |
Under 18: Highest Average Payments
SSI recipients under 18 receive the highest average monthly payment, around $803.97. Young recipients often qualify for higher benefits because they are less likely to have additional income sources, such as Social Security benefits, that would lower their SSI payment.
Ages 18-64: Middle Range
SSI recipients between 18 and 64 have an average monthly payment of approximately $745. This group may receive other government assistance or income sources, which could impact their SSI payment amount.
Aged 65 or Older: Lowest Average Payments
Recipients aged 65 and older receive an average of $576. Seniors often receive lower SSI payments because they are more likely to qualify for Social Security retirement benefits, which reduces their SSI amount. The combined income sources may bring them close to or above the SSI maximum, resulting in a smaller SSI payment.
SSI Payments for Married Couples and Essential Persons
Married couples on SSI can receive a maximum of $1,415 per month. If an SSI recipient lives with an “essential person” (someone who provides necessary support), that individual may also qualify for a smaller SSI benefit of up to $472.
However, average amounts for married couples and essential persons are not provided by the SSA, as they vary widely based on individual circumstances.
Upcoming COLA Increase for 2025
On November 29, SSI recipients will receive payments without the 2025 Cost of Living Adjustment (COLA) increase, as COLA adjustments start with the January 2025 payment. With the COLA increase, SSI maximum payments will rise as follows:
| Recipient Type | New Maximum (2025) |
|---|---|
| Single Individual | $967 |
| Married Couple | $1,450 |
| Essential Person | $484 |
The COLA increase aims to offset inflation and provide recipients with greater financial stability.
When to Expect Your November 29 Payment
All SSI recipients, regardless of payment amount, will receive their November benefits on November 29. Keep in mind that payment dates and amounts may be influenced by changes in eligibility status, income, or marital circumstances.
For questions about specific payment amounts, contacting the SSA directly or accessing your Social Security account online can provide clarity on your benefits.
