If you’re receiving Social Security benefits and find your monthly check insufficient to meet your needs, there are several programs and benefits you can explore to improve your financial situation. From Supplemental Security Income (SSI) to combining benefits like SNAP, spousal benefits, or Veterans Disability Compensation, these resources can significantly enhance your overall income. Below, we outline these options in detail.
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Supplemental Security Income (SSI): An Essential Support for Low-Income Beneficiaries
One of the most effective ways to supplement a low Social Security payment is by applying for SSI (Supplemental Security Income). This federal program is designed to assist individuals aged 65 and older, as well as those who are blind or disabled, with limited income and resources.
Key Details About SSI Payments:
| Eligibility Criteria | SSI Payment Amount (2025) |
|---|---|
| Aged 65 or older, blind, or disabled | $697 (maximum for an individual) |
| Combined with other benefits (e.g., SSDI) | Adjusted amount based on other income |
For seniors aged 65 or older, the standard SSI payment in 2025 is $575, but individuals may qualify for the maximum benefit of $697. However, the actual payment amount may be reduced depending on other benefits received, such as Social Security Disability Insurance (SSDI) or retirement benefits. Combining SSDI with SSI is an option that many beneficiaries find helpful.
Combining Social Security and Spousal Benefits
Many Americans are unaware of their eligibility for spousal benefits, which can be a valuable addition to retirement income. Social Security allows individuals to claim up to 50% of their spouse’s retirement or SSDI benefits starting at age 62.
Eligibility for Spousal Benefits:
- You must be at least 62 years old.
- Alternatively, you may qualify if you are caring for a child under 16 who meets Social Security’s requirements.
Spousal benefits are an excellent way to increase household income, especially for retirees.
Maximizing Food Assistance with SNAP Benefits
Another way to stretch your budget while on Social Security or SSDI is by applying for SNAP (Supplemental Nutrition Assistance Program) benefits. SNAP provides funds via an Electronic Benefits Transfer (EBT) card, which can be used to purchase groceries at authorized stores, including farmers’ markets and USDA-approved retailers.
This program helps retirees or individuals on SSDI access nutritious food at reduced costs, making it an essential resource for those with limited income.
Combining Veterans Benefits with Social Security
Veterans who receive Partial Veterans Disability Compensation can also benefit from combining this income with Social Security or SSI. Since partial VA compensation may not cover all expenses, it’s worth checking your eligibility for additional federal support programs.
Important Consideration:
Many states allow beneficiaries to receive both Social Security and unemployment benefits simultaneously. This can provide a critical safety net for veterans with low income or fluctuating financial needs.
Additional Programs for Low-Income Families and Individuals
Temporary Assistance for Needy Families (TANF)
TANF is designed to provide temporary financial aid to families in need. This program can often be combined with Social Security benefits, offering extra support to qualifying households.
WIC: Supplemental Nutrition for Women, Infants, and Children
The WIC program provides essential nutritional support to low-income women and their children. If you’re eligible for SSI or SSDI, check to see if you can also qualify for WIC to supplement your income.
Key Benefits That Can Be Combined with Social Security
| Benefit | Eligibility | Key Features |
|---|---|---|
| SSI | Low income, aged 65+, blind, or disabled | Federal monthly payment up to $697 |
| Spousal Benefits | Married or divorced, age 62+ or caring for a child under 16 | Up to 50% of spouse’s retirement/SSDI |
| SNAP | Low income or on SSDI | EBT card for grocery purchases |
| Veterans Compensation | Partial disability, low income | Can be combined with Social Security |
| TANF | Families with children under 18 | Temporary financial assistance |
| WIC | Low-income women, infants, and children | Nutritional support and education |
FAQs
Can I receive both Social Security and SSI at the same time?
Yes, you can qualify for both programs if your income and resources meet the eligibility criteria for SSI. However, the combined amount will not exceed certain limits.
How do spousal benefits work with Social Security?
Spousal benefits allow you to claim up to 50% of your spouse’s Social Security or SSDI benefit, which can be a significant boost to your household income.
Are SNAP benefits available to retirees on Social Security?
Yes, retirees can apply for SNAP benefits to help cover grocery costs. Eligibility depends on your income and household size.
