What is the maximum amount of money that SSI will pay?
Generally, Social Security establishes a maximum SSI monthly benefit amount for individuals and couples each year. The 2019 SSI maximum amounts payable are: $771.00 for an individual and 1,157.00 for a couple. As you might have already determined, individuals who are a couple do not receive the full individual amount even if they are both receiving SSI. The total household benefit cannot exceed the SSI couples amount.
The only thing that could increase an individual's overall SSI amount receivable is an extra $20.00 per month for those who are dually entitled to SSDI and SSI. These are the maximum amounts payable for SSI monthly benefits.
Here is a list of things that could reduce the amount of your SSI benefit each month.
1. If you are working, Social Security excuses the first $65.00 you earn each month, but they reduce your SSI benefit one dollar for every two dollars over that amount that you earn.
2. Your living arrangement affects the amount you are receiving each month. If you are not paying your fair share of the necessary household expenses, your benefits will be reduced.
3. If you receive any kind of monetary help from family or friends your benefits could be reduced.
4. Additionally, your spouse's income can reduce the amount of SSI income you receive each month.
In summary, there are very concrete top or maximum SSI pay amounts, but there are many other more subjective situations that affect how much you will actually receive in SSI benefits each month.
About the Author: Tim Moore is a former Social Security Disability Examiner in North Carolina, has been interviewed by the NY Times and the LA Times on the disability system, and is an Accredited Disability Representative (ADR) in North Carolina. For assistance on a disability application or Appeal in NC, click here.
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