What Is Supplemental Security Income (SSI)?

Supplemental Security Income (SSI) is a needs-based benefit program designed for the aged and disabled. Unlike SSDI, you do not need work credits to qualify for SSI. However, you must meet Social Security’s strict limits on family income and resources.

These limits are quite low. For example, an individual may not own more than $2,000 in countable resources to qualify for SSI. For a married couple, the combined limit is $3,000. Some resources are excluded from these limits, such as the value of your home or car. Income is also treated differently depending on the source—generally, only half of earned income counts toward the income limit, whereas most other types of income count dollar-for-dollar.

If a disabled person does not qualify for SSDI benefits, or if the SSDI benefit amount is very low, they may be eligible for SSI.

As of 2025, the maximum federal SSI benefit for an eligible disabled individual is $967.00 per month. For a disabled couple, the maximum is $1,450.00. Vermont provides a modest state supplement to SSI recipients, raising these amounts to $1,022.68 for individuals and $1,555.80 for couples.

Jarvis & Modun represents many clients seeking SSI benefits. We understand the complex rules regarding income and resources. We also advise clients and other attorneys on how to manage awards, settlements, inheritances, and financial windfalls to protect a disabled person’s entitlement to SSI and Medicaid.

If you believe you may qualify for SSI benefits due to a disability, contact Jarvis & Modun for a free consultation.