Question 1

What is the SSI income limit for 2026?

Accepted Answer

There's no single cap. For one person, SSI reaches zero at about $1,014 a month of unearned income such as Social Security, or about $2,073 a month in wages. In 2027 those figures are $1,049 and $2,143.

Question 2

How much can I earn and still get SSI?

Accepted Answer

Up to about $2,073 a month in 2026 ($2,143 in 2027) if wages are your only income. Social Security ignores the first $85 of wages and half of the rest.

Question 3

Does Social Security count as income for SSI?

Accepted Answer

Yes, it's unearned income. After the $20 exclusion, every dollar of Social Security lowers SSI by a dollar.

Question 4

Does food from family reduce SSI?

Accepted Answer

No, not since September 30, 2024. Only help with shelter, such as rent or utilities, can reduce SSI.

Question 5

Is the SSI income limit different for a couple?

Accepted Answer

Yes. When both spouses get SSI, the couple rate is $1,491 in 2026 and $1,544 in 2027, so the break-even is about $1,511 of unearned income or $3,067 in wages in 2026.

Question 6

Will I lose Medicaid if I earn too much for SSI?

Accepted Answer

Not necessarily. Under 1619(b), you can keep Medicaid while your earnings stay below your state's threshold, such as $42,946 a year in Florida or $66,078 in California in 2026.

SSI

What Is the SSI Income Limit for Wages and Other Income?

What Is the SSI Resource Limit, and What Counts Toward It?