If you’re getting Supplemental Security Income (SSI), you already know how tight things can get. SSI is meant to help people who are over 65, blind, or living with a disability—and who have very limited income and resources. Right now, the most you can get from SSI each month is $967. To qualify, your income from work can’t go over $1,913 a month, and your assets must stay below $2,000 if you’re single or $3,000 for couples. For parents applying for a child, there’s a bit more room—an extra $2,000 in allowable resources.
But here’s the thing: just because SSI has strict limits doesn’t mean you’re stuck with only that money. There are several completely legal ways to get more help or boost your monthly income without risking your benefits. Let’s go over them.
1. Know How the Income Limits Actually Work
A lot of folks think getting a job automatically disqualifies them from SSI. That’s not true. You can work while receiving SSI—as long as your income stays within the limits. In fact, working can earn you Social Security work credits. These credits help you later qualify for other benefits like retirement or disability under Social Security. So, earning some money, as long as it’s done carefully, can actually set you up for better support down the road.
2. Check If Your State Offers Extra SSI Payments
Not every state sticks with just the federal SSI amount. Many states give extra money on top of your regular check. This is called a state supplement, and it can really help stretch your monthly budget. The amount varies depending on where you live, and not everyone qualifies automatically, so it’s worth calling your local Social Security office or state agency to ask what’s available.
3. See If You Can Get SSDI, Too
If you’ve worked in the past and paid into Social Security, you might also be eligible for Social Security Disability Insurance (SSDI). That’s different from SSI, but some people can receive both at the same time. If you qualify, you could get more money each month—without affecting your SSI eligibility. It’s definitely worth checking out, especially if your health condition or disability keeps you from working full-time.
4. Look Into Other Government Assistance Programs
SSI is just one piece of the puzzle. There are other federal and state programs that can help with everyday expenses. Medicaid can cover medical costs. SNAP (food stamps) can help with groceries. You might also qualify for housing assistance or help with your utility bills. These programs don’t usually count against your SSI, and they can really help you keep your head above water.
5. Take Advantage of Work Support Programs
If you want to try getting back into the workforce, the government has programs to help you do it without cutting off your SSI right away. The Ticket to Work program is a great example. It gives people on SSI access to job training, career counseling, and work placements. Even better—you can still receive some of your benefits while you get back on your feet. It’s a great way to earn more money and ease back into work life without risking everything.
6. Don’t Overlook Veterans’ Benefits
If you’ve served in the military, there may be extra help available through the Department of Veterans Affairs (VA). These benefits can be used alongside your SSI and may include monthly payments, health care, housing help, and more. If you’re a veteran, definitely reach out to your local VA office—you might be missing out on valuable support.
7. Use Nutrition Assistance Programs
Food benefits go beyond just SNAP. If you have young children, are pregnant, or nursing, the WIC (Women, Infants, and Children) program offers extra help with nutrition. These programs are designed to make sure you and your family have access to healthy food without putting more strain on your limited income.
Living on SSI isn’t easy, but you’re not alone—and you have options. Whether it’s finding a little extra help from your state, working part-time, or getting other benefits you’re entitled to, there are ways to boost your financial situation without losing your SSI. Just make sure you stay informed and ask questions. The support is out there—you just need to know where to look.
