SSI is Changing in 2026 — Here’s What You Need to Know

SSI (Supplemental Security Income) updates every year, and while the changes may seem small, they can have a real impact on eligibility and planning.

Monthly Benefit Increase (COLA)

The SSI monthly payments are increasing to keep pace with inflation:
• Individual: $967 → $994/month
• Couple: $1,450 → $1,491/month

This adjustment starts with January 2026 benefits, paid at the end of December 2025.

Resource (Asset) Limits Remain the Same

Even with higher payments, SSI is still means-tested. The asset limits are unchanged:
• Individual: $2,000
• Couple: $3,000

These limits are not adjusted for inflation, so income increases don’t change eligibility automatically.

What this means

SSI is still strictly income- and asset-based. Even modest COLA adjustments help, but eligibility continues to depend on your overall financial situation and living arrangements.

Why this matters

If you or someone you support relies on SSI, understanding these changes can help with planning for 2026 — from budgeting to coordinating with other benefits like Medicaid.

SSI increases provide a bit more financial breathing room, but the rules for eligibility remain tight. Staying informed ensures you can make the right choices ahead of time.