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Social Security Supplemental Income 2022 — $3,364 in direct payments still going out this year – how to get yours

Will SSI claimants get a fourth stimulus check?
Difference between SSI and SSDI explained
How much SSI pay you will get in 2022
How much you can earn in 2022 and qualify for SSI

MILLIONS of SSI payment recipients can expect four more direct payments this year.

To qualify for Supplemental Security Income you must be over the age of 65, blind, or disabled and have less than $2,000 in assets or $3,000 for couples.

SSI benefits are determined by income, however, the national average is $621 per month with a maximum amount of $841, according to the Social Security Administration.

The monthly maximum is altered every year to reflect the new cost of living adjustment (COLA), and the remaining 2022 payment schedule for SSI is as follows:

  • September 30
  • November 1
  • December 1
  • December 30

Recipients are getting extra payments in September and December because while SSI payments are usually issued on the first of each month, they are not issued on weekends or holidays - meaning that the December 30 payment amount will likely reflect the 2023 COLA.

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

  • Retirement benefits

    The age you begin receiving retirement benefits affects how much your monthly benefits will be.

    You can begin getting Social Security retirement benefits as early as age 62, but claiming them that early will reduce your benefits by as much as 30 percent.

    If you wait until your full retirement age (66 for most people), you will get full benefits.

    You also can wait until age 70 to start your benefits. The SSA will increase your benefit because you earned “delayed retirement credits.”

    The retirement benefits are then paid out until you die.

  • Disability benefits

    The Social Security Disability Insurance (SSDI) program pays benefits to you and your family if you worked long enough and recently enough.

    You must have paid Social Security taxes on your earnings before becoming disabled.

    You must also meet certain requirements defined by the SSA, including a disability that has lasted or is expected to last at least one year or result in death.

    The benefit is for life unless the SSA feels you no longer qualify.

  • Types of income for SSI, part two

    Unearned Income: all income that is not earned such as Social Security benefits, pensions, State disability payments, unemployment benefits, interest income, dividends, and cash from friends and relatives.

    In-Kind Income: food, shelter, or both that you get for free or for less than its fair market value.

    Deemed Income: income from your spouse with whom you live, your parent(s) with whom you live, or your sponsor.

  • Types of income for SSI

    The SSA describes income is any item an individual receives in cash or that can be used for food or shelter.

    The four types of income include:

    Earned Income: net earnings from self–employment, certain royalties, honoraria, and sheltered workshop payments.

  • How to apply for the ACP

    There are multiple ways to apply for the ACP.

    You can apply online, by mail or by contacting your internet company.

    To apply online, click here.

  • Check if you qualify for ACP

    To see if your household qualifies for the Affordable Connectivity Program, there are some basic requirements that you must fulfill.

    Click here to find out if you meet those requirements.

  • Affordable Connectivity Program for SSI recipients, continued

    Even though individuals who receive SSI are eligible to use ACP services, Social Security does not count the ACP as income or a resource for SSI calculation purposes.

    This means using the ACP does not affect your SSI payments.

  • Affordable Connectivity Program for SSI recipients

    In addition to the benefits of the ACP itself, households can also receive $100 to use toward purchasing internet devices.

    Devices include things like a laptop, desktop computer or a tablet from participating providers. The list of participating providers can be found here.

    To be eligible for the $100 discount, households are required to contribute more than $10 and less than $50 toward the device.

  • How SSI recipients can get relief for internet expenses

    The internet might be widespread, but this does not mean that everyone can afford to use it.

    Thanks to the Affordable Connectivity Program (ACP), those receiving SSI benefits are eligible for aid to contribute to their internet usage.

    ACP provides assistance of up to $30/month for eligible households to use towards internet services and up to $75/month for households on qualifying Tribal lands.

  • Becoming a Representative Payee

    A representative payee is a person or organization that is chosen to receive benefits for anyone unable to manage or direct the management of their benefits.

    To become a representative payee, you must apply through your local Social Security Office.

    If you believe someone you know has become incapable of directing and/or managing their benefits call 1-800-772-1213 (TTY 1-800-325-0778)

  • Earnings and assets are important

    Your wages and assets will determine whether or not you are eligible for SSI.

    Individuals must have no more than $2,000 in assets, while couples may have up to $3,000 in assets.

    Furthermore, the higher your earnings, the lower your SSI payout.

  • Number of people who receive SSI

    According to the Social Security Administration, about 7.8million people in the United States received SSI payments in June 2022.

    The majority, 4.3million people aged eighteen to sixty-four, were seniors, 2.3million were children and teenagers, and 1.1million were children and teens.

    Each of these groups’ average monthly benefits differed significantly.

  • Who receives SSI payments

    The SSI program provides monthly payments to people who:

    • Are at least age 65 or blind or disabled
    • Have limited income (wages, pensions, etc.)
    • Have limited resources (the things you own)
    • Are US citizens, nationals of the US, or some noncitizens
    • Reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands 

    Residency exemptions are made for children of military parents assigned to permanent duty outside the US, and certain students temporarily abroad may receive SSI payments outside the US, according to the SSA.

  • SSI defined

    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.

  • New affordable internet program

    The Social Security Administration is launching a program to help make the internet more accessible.

    Those receiving SSI are eligible for a discounted internet service.

    The ACP will give $30 a month to eligible households and $75 a month to households on qualifying Tribal lands, according to the SSA official website.

    As of February, more than 10million households have already enrolled.

  • Student benefits, explained

    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 Form SSA-1372-BK.

    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.

  • Direct deposit your benefits

    According to the SSA, you can sign up for Direct Deposit for benefits by:

    • starting or changing Direct Deposit online (Social Security benefits only), or
    • contacting your bank, credit union or savings and loan association, or
    • calling Social Security toll-free at 1-800-772-1213 (TTY 1-800-325-0778), or
    • visiting your local Social Security Field Office.

    You can also sign up for the Direct Express debit with your benefits on it.

  • Adoptees can get SSI benefit if parent dies

    If you are adopted and your parent died, you can still get benefits.

    The same is true if you where adopted by as stepparent or grandparent and their spouse, so long as they were supporting you financially.

    If the adoption occurred after the age of 18, you must have been at least half dependent on them for living expenses.

  • If a parent dies

    If a parent dies, their kids can get Social Security until they are 18.

    Caregivers can also get benefits until the child is 16.

    The SSA will pay out up to 75 percent of the decedent's benefits.

  • SSI resources limit, part two

    In order to receive SSI benefits, you are only allowed to have  $2,000 for an individual and $3,000 for a couple in resources.

    The following is what does not count as a resource

    • The home you live in and the land it is on
    • The car you drive, so long as it is used for your transportation
    • Household goods and personal effects
    • $100,000 in ABLE accounts
    • Burial funds for you and your family
  • SSI resources limit, part one

    In order to receive SSI benefits, you are only allowed to have  $2,000 for an individual and $3,000 for a couple in resources.

    The following is what counts as a resource:

    • Cash
    • Bank accounts
    • Personal property
    • Stocks mutual funds, and U.S. savings bonds;
    • Life Insurance
    • Vehicles
    • Anything else you own which could be changed to cash and used for food or shelter
    • Deemed resources
  • Retirees must consider their own mortality

    If retirees collect money before full retirement age, they collect less, but for longer.

    If they live longer, their income towards the end of their life will be minimal.

    “While it’s not pleasant to think about, if you begin collecting benefits earlier, you’ll collect a smaller benefit for longer,” Colleen Carcone, director of wealth planning strategies at TIAA told The Street

    “If you begin collecting benefits later, you’ll take out a larger benefit for a shorter period of time.”

    “Most importantly, meet with a financial adviser,” Carcone added.

    22 “A financial adviser can help you to decide how to best structure retirement income so that you can meet your income needs.”

  • People are not delaying retirement

    People are not delaying Social Security Retirement benefits, The Street reports.

    Beneficiaries of Social Security earn more per month if they wait until 70.

    However, only five percent of U.S. male retirees and seven percent of female retirees start taking Social Security then.

    Half of all retirees take benefits before full retirement age, and a quarter takes them at 62, the earliest you can.

  • How long do I have to cash an SSI check?

    Checks are issued with the words “VOID AFTER ONE YEAR”, according to the SSA website.

    If this time runs out and your check expires, contact your local Social Security Office.

  • How to change address

    According to the Social Security website, if you receive benefits or have or are enrolled in Medicare, you can change your address online by signing into your my Social Security account, going to the My Profile Tab, and selecting the contact link.

    You can also call 1-800-772-1213 (TTY 1-800-325-0778), Monday through Friday, 8:00am – 7:00pm, or go to your local Social Security Office.