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Social Security Supplemental Income 2022 — Millions of Americans to get direct payments of up to $120 – will you get it?

What is Supplemental Security Income (SSI)?
Differences between SSI and SSDI explained
How much SSI pay will I get in 2022 per month and per year?

SOME states in the US provide additional aid to Social Security Income (SSI) payments.

In addition to the federal monthly SSI payments, 33 states administer their own supplementary benefits.

Unless the first of the month comes on a weekend or a public holiday, these supplements are normally sent out at the same time as the federal payments.

The amounts vary by state, but in New York, individuals can receive an additional $87 per month or $104 for couples, while Alabama couples can receive a $120 rise.

The SSI state supplements are usually paid at the same time as the federal benefits, so they should come on the first of the month in most cases.

SSI and Social Security payments will not come on the same day if you receive both.

While SSI is paid on the first of each month, people who get Social Security are paid on the third of each month.

Read our Supplemental Security Income live blog for the latest news and updates...

  • Amanda Castro

    Social Security origins

    According to the , Abraham Epstein coined the term in the United States to describe his organization, the American Association for Social Security.

    The Social Security Act of 1935 was originally known as the Economic Security Act, but this name was altered during the bill’s discussion in Congress.

  • Amanda Castro

    How rules for taxing benefits could change, part two

    Additionally, they could choose to eliminate the provisional income calculation and count all income toward the thresholds.

    Currently, earnings only up to  are taxed, but a recent Congressional  seeks to apply that payroll tax on wages of $400,000 and up to help shore up Social Security for future generations.

    A more permanent solution from lawmakers is required sooner than later to ensure the benefits program continues past its current timeline.

  • Amanda Castro

    How rules for taxing benefits could change

    Lawmakers could raise the  from the current 67 years old for those born in 1960 or later to delay paying out benefits.

    They could, however, also raise payroll taxes.

    Congress could adjust the income levels or the percentages for higher-income people, while ensuring those with a lower income don’t see benefits impacted, Joe Elasser, president of financial tech company Covisum, told .

    Mr Elasser said Congress could replace the current two thresholds with a higher one in which 85 cents on the dollar or the whole dollar is taxable.

  • Amanda Castro

    Thresholds for calculating tax on Social Security, continued

    Those thresholds have not been updated since they were first established by  and so as wages have risen, more Americans are subject to the tax on the benefits.

    If your income is below the thresholds, your benefits generally aren’t taxed, but for high-wage earners, the levies act as a benefit cut.

    The revenue from the taxes goes directly back into Social Security’s trust funds and is needed as these are running low.

    Last year, the government agency projected in their  that funding could be depleted after 2033.

  • Amanda Castro

    Current thresholds for calculating tax on Social Security

    Then the 50 percent and 85 percent thresholds are applied as follows, according to the :

    Individuals

    • Individuals earning a combined income of between $25,000 and $34,000 may be required to pay income tax on up to 50 percent of their Social Security benefits.
    • Those earning a combined income of more than $34,000 may be required to pay tax on up to 85 percent of their benefits.

    Couples

    • Couples earning a combined income of $32,000 to $44,000 may be subject to up to 50 percent tax on benefits
    • Those earning more than $44,000 in wages, taxable income and benefits could be taxed up to 85 percent of their Social Security income.
  • Amanda Castro

    Calculating tax on Social Security

    Taxes are based on what’s known as provisional, or combined income – which includes half of your Social Security benefits, plus any adjusted gross income and nontaxable interest.

    That means any income from wages, interest, dividends or other taxable income is counted.

  • Amanda Castro

    Old-Age, survivors, and disability insurance program, continued

    Those who qualify for student benefits must meet the following requirements:

    • Must attend an educational institution full-time (at least 20 hours per week)
    • Must be 19 years-old and two months or younger
    • Student benefits will end either the month after the student stops attending school full-time or when the student is over the age requirement – whichever is sooner

    To apply, complete and sign .

    Applicants will need to provide the following: the child’s school attendance, the school year beginning and end dates and the number of school hours scheduled per week.

    A school official must then certify the form and inform the SSA if the student ceases attending school full-time.

  • Amanda Castro

    Old-Age, survivors, and disability insurance program

    The SSA provides financial aid to those in retirement, have a disability, and also offers financial relief to widowers.

    However, children may also receive benefits through the Old-Age, Survivors, and Disability Insurance program.

    The program provides monthly benefits to qualified retired and disabled workers, including their dependents or survivors of the insured workers.

    Eligibility and benefit amounts are determined by the worker’s contributions to Social Security.

    The children of beneficiaries may qualify for benefits if they’re 18 and older and a student at an elementary or secondary school.

  • Amanda Castro

    Underpaid Social Security benefits

    Thousands of Americans have been underpaid Social Security benefits worth $4,113 each – see if you’re affected

    A  from the Social Security office of the Inspector General found that the Social Security Administration (SSA) did not properly provide benefits to thousands of students.

    In a sample of 100 students, benefits for 87 of them ended abruptly and resulted in $357,872 in underpayments.

    Based on the findings, each student was unable to collect roughly $4,113.

    The audit reveals the underpayments were due to SSA employees incorrectly inputting student information on beneficiaries’ records while using the Post Entitlement Online System and Modernized Claims System.

  • Amanda Castro

    What is SSI?

    Supplemental Security Income (SSI) is a government program that assists persons who are unable to earn enough money on their own. 

    Adults with disabilities, children with disabilities, and those aged 65 and over are eligible.

    Individuals with sufficient job experience may be eligible for SSI payments in addition to disability or retirement benefits. 

    Likewise, individuals receive different amounts depending on their other sources of income and where they live.

  • Amanda Castro

    Social Security payment schedules depend on birthdays

    Anyone whose birthday falls between the 1st and the 10th of a month can expect to get their money on the second Wednesday of each month.

    Those whose birthdays fall between the 11th and the 20th of the month can expect to receive their benefits on the third Wednesday of each month.

    For anyone with a birthday that falls between the 21st and the 31st of the month can expect to get their payment on the fourth Wednesday of each month.

  • Amanda Castro

    How much are monthly SSI payments explained

    The monthly maximum federal SSI amounts for 2022 are $841 for an eligible individual.

    For an eligible individual with an eligible spouse, the amount is $1,261 a month.

    For an essential person, the amount is $421 a month.

  • Amanda Castro

    How to apply for disability benefits

    If you believe you’re eligible for disability benefits, you can .

    In addition, you could also apply by calling 1-800-772-1213, or by visiting your local Social Security office.  

    Check out the full payment schedule in 2022 for SSI, Social Security, and SSDI. 

  • Amanda Castro

    What happens if you qualify for both SSI and SSDI, continued

    But the SSA provided us with a possible monthly payment scenario where you can get a combined $861 from the two programs – assuming you qualify for both.

    For example, an individual could get $500 SSDI and $361 from SSI on a monthly basis, according to the SSA.

    For couples, the maximum SSI benefit is $1,261 in 2022.

  • Amanda Castro

    What happens if you qualify for both SSI and SSDI?

    As long as you meet the eligibility requirements for SSI and SSDI – then you could qualify for both.

    The average SSI average benefit is $621 per month this year, an increase of $34 from 2021. This equals $7,452 each year.

    The monthly maximum for SSI is $841 per month for an individual in 2022 or about $10,092 a year.

    As far as SSDI goes, the amount you receive is a bit more complicated.

    The benefit amount will depend on the age you became disabled, your employment history (including the average amount of income you once earned), and period of eligibility.

    And keep in mind, SSDI counts as income for SSI purposes. 

  • Amanda Castro

    Differences between SSI and SSDI, continued

    According to the , grants, scholarships, loans, money gifts, income tax refunds, food stamps, among other things do not count as income for SSI.  

    Wages, unemployment benefits, and other SSA benefits count as income for SSI.

    For SSDI, the monthly earnings limit is $1,350 for most claimants – but that is boosted to $2,260 if a beneficiary is blind.

    According to the SSA, SSDI claimants are entitled to a nine-month trial period where they can test their ability to work and still be considered disabled.

    During this period, there is no earnings limit on how much they can earn.

    SSI claimants do not get that trial period.

  • Amanda Castro

    Differences between SSI and SSDI

    While both Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) aim to provide aid to those with disabilities – the eligibility requirements are different.

    To qualify for SSI, individuals can’t have more than $2,000 in assets, while couples can have up to $3,000.

    The SSI income limit is more complicated, but it’s generally the same as the maximum benefit each month.

    Various types of payments and earnings don’t count as “income” though, including the first $20 of most income received in a month.

  • Amanda Castro

    Fourth stimulus check for SS and SSI claimants, part three

    Dozens of lawmakers have pushed for recurring stimulus payments, but any hope was sidelined when lawmakers focused on the Build Back Better Act.

    The social spending plan stalled in Congress late last year.

    Congress has since moved on to other issues and, currently, no talks about stimulus money are on the table.

    It means Social Security claimants should not expect to get a $1,400 check.

  • Amanda Castro

    Fourth stimulus check for SS and SSI claimants, continued

    Shannon Benton with the Senior Citizens League told The Sun: “We have received hundreds of emails from people concerned about making ends meet.

    “The high cost of living adjustment, for many, just exacerbated their financial woes by bumping their income above program limits to qualify for medicare savings programs and extra help.”  

    The Senior Citizens League isn’t the only group trying to appeal to Congress.

    There’s a petition on  which has gotten more than 3million signatures. It was started by a Denver restaurant owner.

    It’s asking Congress to provide monthly stimulus checks of $2,000 for adults and $1,000 for children for the ."

  • Amanda Castro

    Fourth stimulus check for Social Security and SSI claimants?

    A fourth stimulus check is in the rear view mirror but it hasn’t stopped independent groups from lobbying Congress to act.

    A  trying to convince lawmakers to send senior citizens a fourth stimulus check continues to circulate.

    Social Security and supplemental security income (SSI) beneficiaries have been hoping Congress will consider a fourth stimulus check.

    The Senior Citizens League, a non-partisan advocacy group, has been calling for a one-time $1,400 stimulus check for Social Security claimants.

    The group sent a letter to Congress last year, stating the cost-of-living adjustment, combined with inflation, will hit hard for many older Americans who are on a fixed income.

    The proposal came after it heard from many seniors who shared their hardships in the aftermath of the pandemic.

  • Amanda Castro

    How many people benefit from Social Security?

    Social Security benefits currently support 70million Americans, whether they’re elderly or disabled.

    Nearly nine out of 10 individuals aged 65 and older receive the benefits, and they make up around 33 percent of the income of the elderly.

  • Amanda Castro

    What is the maximum monthly amount?

    In 2022, the maximum federal SSI payout for an eligible individual is $841 per month.

    The amount is $1,261 per month for an eligible individual with an eligible spouse.

    The monthly cost for an essential individual is $421.

  • Amanda Castro

    How kids can get SSI benefits

    Once a parent has worked for 10 years or otherwise earned Social Security eligibility, their children are eligible for benefits if:

    • The parent is either disabled or retired
    • The child is unmarried and younger than 18
    • The child is 18 or older and has a disability that began before they turned 22
    • The child was previously receiving at least half of their financial support from the qualifying parent
  • Amanda Castro

    Savings Penalty Elimination Act could expand SSI

    The bill would update its rules for asset limits and how much money recipients would be allowed to set aside.

    SSI has rigid asset limits that have not been updated since the late 80s.

    According to the , individual beneficiaries could be able to have up to $10,000 and couples can have $20,000.

    This would give recipients a nice cushion in case of emergencies, without affecting their benefits.

  • Amanda Castro

    New federal proposal could lower SSI qualifications

    Two Ohio senators introduced a bill that would update the asset limits to Supplemental Security Income (SSI).

    The Savings Penalty Elimination Act was proposed by Senators Sherrod Brown and Rob Portman and has gained bipartisan support.

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