Not all recipients of Supplemental Security Income (SSI) receive the same payment amounts from the Federal Government. In fact, the average payment varies depending on factors such as age and additional sources of income. As of October 2024, the average monthly SSI payment is $697.50, while the maximum benefit available for low-income families is $943.
However, many beneficiaries do not qualify for the maximum amount due to their additional sources of income. For instance, if you are simultaneously receiving Social Security benefits along with SSI, your monthly SSI payment could be significantly reduced.
Average SSI Payments Based on Age Group
According to the Social Security Administration’s Monthly Statistical Snapshot for October 2024, the average SSI payment varies by age, with younger recipients typically receiving higher amounts.
| Age Group | Average SSI Payment (as of October 2024) |
|---|---|
| Under 18 | $803.97 |
| 18-64 | $745.00 |
| 65 and older | $576.00 |
Key Insights:
- Recipients under 18: Receive an average of $803.97, which is approximately $106 higher than the overall average of $697.50.
- Adults aged 18-64: Typically receive around $745 per month.
- Seniors aged 65 or older: Receive the lowest average SSI payment of $576, largely due to the likelihood of also receiving Social Security retirement benefits.
Maximum Payments for Married Couples and Essential Persons
Married couples who are eligible for SSI benefits can receive a maximum of $1,415 per month. Unfortunately, the Social Security Administration does not currently provide specific average payment data for married couples. Additionally, “essential persons”—individuals who live with and support an SSI recipient—are eligible for a maximum payment of $472 per month.
It’s important to note that these amounts do not include the 2025 Cost of Living Adjustment (COLA), which will affect payments issued after November 29, 2024.
SSI Maximum Payments After the 2025 COLA Increase
As the 2025 COLA adjustment takes effect, the maximum SSI payments will increase as follows:
| Category | Maximum Payment After 2025 COLA |
|---|---|
| Single person | $967 |
| Married couples (both eligible) | $1,450 |
| Essential person | $484 |
Why do seniors receive lower SSI payments on average?
Seniors aged 65 or older often receive lower SSI payments because many also collect Social Security retirement benefits, which reduces their SSI payment.
How does receiving Social Security impact my SSI benefits?
If you are receiving Social Security benefits, your SSI payment may be reduced as SSI is intended to supplement income for those with limited resources.
What is the maximum payment a married couple can receive on SSI?
The maximum SSI payment for married couples is $1,415 per month as of October 2024, but this will increase to $1,450 after the 2025 COLA adjustment.
