Resource and Income Limits

To see if you qualify for Supplemental Security Income (SSI), the Social Security Administration (SSA) will:

• Look at your countable resources to see if they are below the SSI resource limit, and
• Calculate your countable income to see if it is below the SSI income limit for a person in your situation.

If your resources and countable income are below the limits and you have a disability or are 65 or older, 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 Limit

When 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 one vehicle. Social Security has a complete list of excluded resources.

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.

However, if your disability began before you turned 26 you can open an ABLE account where over time you can save up to $100,000 in resources and not have them counted by SSI. Learn more about ABLE accounts.

SSI’s Income Limit for Your Living Situation

The 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.

Note: These numbers are adjusted each year for the cost of living.

Living Arrangements

If you live alone, the most you can get in SSI each month is $943. However, the countable income limit for SSI and the maximum benefit you can get may be different if:

• You are married
  • If you live in the same household as somebody else and the two of you act as though you are married and present yourselves to the community as being married, Social Security will consider you a married couple for SSI purposes.
• Somebody else helps pay the costs of your food and shelter, or
• You live in an institution, such as a hospital, nursing home, or prison.

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 Couples

How SSI looks at your income and possible benefits depends on whether your spouse also qualifies for SSI.

If Your Spouse Does Not Qualify for SSI

If 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.

If Your Spouse Does Qualify for SSI

Social Security calls you part of an “eligible couple” if:

• You are married
• You live with your spouse, and
• Both you and your spouse qualify for SSI.

The most an eligible couple can get in SSI each month is $1,415 (only about 150% of the individual maximum of $943).

Rules If Somebody Else Helps Pay for Your Food and Shelter

If you are single and pay for your own food and shelter, you get up to $943/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) Rule

The VTR rule says that the most you can get in SSI benefits goes down by one-third if:

• You live in somebody else’s household, and
• Somebody in that household helps with both food and shelter.

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 $943. The VTR reduction is one-third of that, or $314.33. Therefore, if the VTR rule applies, the maximum SSI benefits amount most people can get is $943 – $314.33 = $628.67.

The Presumed Maximum Value (PMV) Rule

The PMV rule says that the most you can get in SSI benefits goes down by a certain amount if:

• Somebody helps you with food and/or shelter, and
• The VTR does not apply to your case.
  • Examples: The VTR does not apply if you do not live in the same household as the person helping you with your food and shelter, or if the person helping you does not help with both food and shelter.

The exact amount your maximum SSI benefits go down depends on your situation:

• By default, it will go down by one-third of the maximum SSI benefit plus $20. For 2024, this Presumed Maximum Value (PMV) is $334.33 for an individual.
• However, if the actual help you get paying for food or shelter is worth less than the PMV, then your SSI benefits will only be reduced by the actual support amount.
  • If the value of the support you get is less than the default PMV, you must show Social Security documentation of how much support you actually get.
    

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.

Rules If You Live in a Medical Facility

If you live in a medical facility, such as a hospital or nursing home, you probably can’t get full SSI benefits:

• If the Arizona Long-Term Care System (ALTCS) pays for more than half the cost of your care in the facility, the most you can get in SSI benefits is $30/month.
• If ALTCS does not pay for more than half of your care in the facility, you cannot get any SSI benefits.
• If your doctor says you will be in the facility for less than 90 days and you can show that you need your SSI benefits to keep your home or living arrangement, you may continue to get your full SSI benefits.
  • Note: If you’re expecting to stay for less than 90 days, you need to get the doctor’s note and documentation about your need to Social Security right away. The facility’s admissions office can help you.