The BasicsApply for BenefitsUnderstand Social Security’s DecisionReport ChangesDisability DeterminationResource and Income LimitsHow SSI Counts Your IncomeSSI and WorkExampleFAQsPitfallsNext Steps

SSI

Try It

    Supplemental Security Income (SSI)

    Resource and Income Limits

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

    If your resources and countable income are below the limits and you have a disability, Social Security gives you monthly SSI benefits to help you pay for your basic needs. The amount you get each month depends 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 and one vehicle. Social Security has a complete list of excluded resources.

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

    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.

    Example
    Billy has $4,000 in a savings account, so he doesn't qualify for SSI benefits.

    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 usually the same as this maximum benefits amount.

    If you pay for your own housing, usually the most you can get in SSI benefits is $967 per month if you are single, or $1,450 per month if both you and your partner qualify for SSI. This amount can change each year for the cost of living.

    Some living arrangements might mean you have a lower maximum SSI benefit, like if you don’t pay for all of your own housing or if you live in a medical facility. Keep reading to see some of the ways living arrangements can affect your benefits.

    Many states, including Michigan, know that the cost of living is higher than the maximum amount of SSI benefits a person can get. That's why Michigan gives an extra payment to people who get SSI. If you live alone and get SSI, you'll probably get an extra $42 every three months. The amounts are slightly different for different living situations.

    Not all income is countable

    Social Security doesn’t count all of your income when they look at whether you qualify for SSI and, if so, how much you should get in benefits each month. For example, you could make $1,500 per month at work and still qualify for SSI, because Social Security would not count more than half of your earned income.

    Learn more about how your income is counted for SSI.

    Living Arrangements

    If you live alone, the most you can get in SSI is $967 per month. However, the countable income limit for SSI and the maximum benefits amount you can get may be different if:

    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

    When you are married, how SSI looks at your income and benefits amount depends on if your spouse also qualifies for SSI.

    If Your Spouse Does Not Qualify for SSI: Spousal Deeming

    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 goes down by a dollar.

    Example

    Magda injures her spine and applies for SSI. Social Security reviews her application and decides that she has a disability and that she and her husband, José, are below the resource limit. When they look at José’s income from his part-time job, they say $450 of his monthly income is countable and can be used to help pay for Magda’s basic needs. After the spousal deeming, the maximum possible SSI benefits amount Magda could get each month is $967 - $450 = $517.00.

    Note: If your spouse gets help from certain programs, like the Food Assistance Program, FIP, or other benefits based on need from the state, your county, or the Department of Veterans Affairs (VA), those benefits and the income used to calculate those benefits might not be deemed, so your SSI benefits amount wouldn't go down as much.

    If you have questions about spousal deeming, talk with a Benefits Planner.

    If Your Spouse Does Qualify for SSI: Eligible Couple

    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 $1,450 (only about 150% of the individual maximum of $967). Every three months, the state of Michigan will also give a $63 payment to eligible couples.

    Rules if Somebody Else Helps Pay for Your Shelter

    On September 30, 2024, some in-kind support and maintenance (ISM) rules changed. The information shown here has been updated.

    If you are single and pay for your own shelter (where you live), you get up to $967 per month in SSI benefits. Shelter expenses can include rent, mortgage payments, property taxes, heating fuel, gas, electricity, water, sewer service, and garbage collection.

    If someone else pays for some or all of your shelter, Social Security may reduce the maximum SSI benefits amount you can get. This is called in-kind support and maintenance (ISM). How Social Security calculates your ISM depends on your situation.

    Tip: If you are getting help paying for your housing expenses (like rent), see if the person helping you can instead put money into an ABLE account, which you can then use to pay for your shelter yourself. By doing this, you could keep getting up to $967 in SSI and not have your benefits reduced due to the ISM rules. Learn more about ABLE accounts on DB101.

    “Public assistance households” and ISM

    If you live in a household where at least one other person gets a benefit meant to help people with low income, Social Security might say you are part of a “public assistance (PA) household.” If so, these ISM rules might not apply to you, and getting help with your housing expenses might not lower your SSI benefits.

    You might be in a PA household if someone other than you in your household gets one of these benefits: SSI, the Food Assistance Program, FIP, or other benefits based on need from the state, your county, the Department of Veterans Affairs (VA), the Bureau of Indian Affairs, or the Disaster Relief and Emergency Assistance Act.

    If you have questions about whether you are in a PA household and how this affects your SSI, talk with a Benefits Planner.

    The Value of the 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 shelter and all meals.

    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 shelter and all your meals from somebody living in the same household.

    Usually, the maximum SSI benefits amount is $967. The VTR reduction is one-third of that, or $322.33. Therefore, if the VTR rule applies, the maximum SSI benefits amount most people can get is $967 – $322.33 = $644.67. An individual in this situation also gets $9.33 every three months from the state of Michigan.

    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 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 goes down by about one-third of the maximum SSI benefits amount plus $20. For 2025, this Presumed Maximum Value (PMV) is $342.33 for an individual.
    • However, if the actual help you get paying for shelter is worth less than the PMV, then your SSI benefits are only 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 your first $20 in unearned income aren't counted, the amount of SSI benefits you get may be almost the same regardless of whether the VTR or PMV applies.

    PMV examples
    • Edgar lives in a house with roommates and gets SSI benefits. He pays for his own food, but his father pays Edgar’s rent, which is $800 per month. Because $800 is more than the default PMV amount ($342.33), the PMV amount is used to calculate his SSI benefits. His benefits amount is $967 – ($342.33 – $20 for the general income exclusion) = $644.67. ­
    • Manon has a room in an apartment and gets SSI benefits. The rent for her room is $600 a month, of which Manon pays $300 and her grandfather pays $300. If Social Security applied the full PMV amount ($342.33), Manon’s SSI benefits would be just $644.67 per month. But, because Manon showed Social Security that her grandfather's help was lower than the PMV, her benefits amount is $967 – ($300 – $20 for the general income exclusion) = $687.
    • Manon’s Benefits Planner tells her that if she paid the rent herself, Social Security would not lower her maximum possible benefit at all based on her grandfather’s help. The Benefits Planner recommends that Manon ask her grandfather to put money into her ABLE account each month instead of paying her landlord directly. Manon could then use the money from the ABLE account to pay her rent and get up to $967 per month in SSI.

    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 Medicaid pays for more than half the cost of your care in the facility, the most you can get in SSI benefits is $37 per month.
    • If Medicaid 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.

    Rules If You Live in Adult Foster Care

    Adult Foster Care (AFC) is licensed housing for people with disabilities that includes services such as personal care, protection, and supervision.

    If you live in Adult Foster Care, the State of Michigan adds a supplement to the regular SSI benefit so that your SSI maximum benefit is higher and it sets a limit on how much you have to pay for rent:

    • If you are single and live in AFC:
      • Your maximum SSI benefit is $1,124.50 per month and the income limit is $967.
      • The most you have to pay for AFC rent is $1,080.50 per month.
    • If you are a couple and you both live in AFC:
      • Yyour maximum SSI benefit is $2,249.00 per month and the income limit is $1,450.
      • The most you have to pay for AFC rent is $2,161.00 per month.

    Learn more

    What Benefits Do I Get?

    How to see which Social Security and state benefits you get.

    ABLE Accounts

    ABLE accounts help people with disabilities save money without losing benefits.

    Benefits and Work Estimator

    Got a work plan? See how it would help your situation.