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Now, for **Supplemental Security Income (SSI)**, things work differently. SSI is a needs-based program, meaning it's designed to provide financial assistance to individuals with limited income and resources. Unlike SSDI, which is based on work history, SSI is for those with very low income and few assets. The SSA considers both your income and your resources when determining your eligibility and the amount of your monthly payments. In 2024, the federal SSI payment amount for an individual is $943 per month. However, this is the *maximum* amount. Your actual SSI payment will depend on your other income and resources. The SSA counts most types of income, including wages, pensions, and even in-kind support and maintenance (like someone providing you with free food or shelter). The SSA reduces your SSI payments dollar-for-dollar for most unearned income you receive, such as Social Security benefits, pensions, or unemployment. They also apply an income exclusion for earned income. The first $20 of most types of income is excluded, and the first $65 of earned income is excluded. After these exclusions, your SSI payment is reduced by one dollar for every two dollars of earned income you receive. So, while SSDI focuses on the SGA threshold, SSI looks at your entire financial picture. Understanding the difference between these two programs and their income rules is critical when you're applying for disability benefits.
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