Navigating Social Security benefits can feel like solving a puzzle, but there are ways to boost your income, especially if your monthly check is on the lower side. Let’s look into strategies like combining Supplemental Security Income (SSI), spousal benefits, and other programs to make the most out of your benefits.
SSI
SSI (Supplemental Security Income) is a federal program designed to help individuals with low income, limited resources, and specific eligibility criteria.
For instance, seniors aged 65 or older can receive an SSI payment worth $575 per month. For individuals, the maximum benefit increases to $697 in 2025. However, this amount is reduced if you’re already receiving other benefits like SSDI (Social Security Disability Insurance).
Here’s how SSI can supplement Social Security:
| SSI Scenario | Monthly Amount |
|---|---|
| Base SSI for seniors | $575 |
| Max Individual SSI (2025) | $697 |
This combination is particularly helpful for those struggling to make ends meet on standard Social Security payments.
Spousal Benefits
Did you know you might qualify for spousal benefits? Social Security allows a spouse to receive up to 50% of their partner’s retirement or SSDI benefit when they reach age 62.
Additionally, if you’re caring for a child under 16, you could still qualify for spousal benefits, even before reaching retirement age. This provision makes it easier for families to sustain a decent living standard during challenging times.
SNAP Benefits
For retirees or those on SSDI, Supplemental Nutrition Assistance Program (SNAP) benefits can be a lifesaver. These benefits provide funds on an Electronic Benefits Transfer (EBT) card, allowing you to purchase groceries at authorized stores and farmers’ markets.
For example:
| Household Size | Monthly SNAP Allotment |
|---|---|
| 1 Person | ~$250 |
| 2 People | ~$459 |
Using SNAP can help reduce your grocery bills significantly, freeing up more money for other essentials.
Veterans’ Benefits
If you’re a veteran, combining Social Security with Veterans Disability Compensation might be possible. Partial Veterans Disability payments often aren’t enough to cover all expenses, so applying for additional Social Security benefits, like SSI or SSDI, can bridge the gap.
Check with your state to see if you qualify for unemployment benefits alongside Social Security, as state-specific rules vary widely.
TANF and WIC
Temporary Assistance for Needy Families (TANF) and the Women, Infants, and Children (WIC) program provide extra support for low-income families.
- TANF: Offers cash assistance for families with children. Eligibility is state-specific.
- WIC: A nutrition program for women, infants, and children. It can supplement other benefits and help ensure children receive essential nutrients.
These programs, when combined with Social Security, create a safety net for families facing financial difficulties.
Boosting your Social Security benefits often involves creative combinations of programs and eligibility criteria. If your check is lower than you’d like, SSI, spousal benefits, SNAP, and other resources can help improve your financial situation.
FAQs
What is the maximum SSI payment in 2025?
The maximum SSI payment for individuals in 2025 is $697.
Can spousal benefits be combined with SSDI?
Yes, spousal benefits can be combined with SSDI payments.
What is SNAP used for?
SNAP helps low-income individuals buy groceries with EBT cards.
Can veterans get Social Security and VA benefits?
Yes, veterans can combine VA and Social Security benefits.
What is TANF?
TANF offers cash assistance to low-income families with children.
