The federal SSI benefit for 2026 is $994 per month for an individual and $1,491 per month for a couple. But in some states, you can receive more than that. Most states have a supplement program, but many pay it only to people in care homes, and those state supplements range from a few dollars to several hundred dollars per month depending on where you live and your living situation.
This guide shows the full chart of SSI state supplement amounts by state for 2026, explains which states offer the highest supplements, and covers how to apply or check your specific amount.
What Is the SSI State Supplement?
The federal government sets a base SSI payment that is the same in every state. On top of that, most states fund an additional monthly payment called the State Supplementary Payment (SSP) or Optional State Supplement (OSS). These state-funded additions can significantly raise your total monthly SSI check.
There are two ways states deliver these supplements:
Federally administered: In some states, the Social Security Administration (SSA) adds the state supplement directly to your federal SSI check. You receive one combined payment and do not need a separate application.
State administered: In other states, the state agency pays the supplement separately. You may need to apply through your state's social services or human services department to receive it.
2026 Federal SSI Base Rates
Before looking at state supplements, here are the 2026 federal SSI base amounts:
| Recipient Category | Monthly Amount |
|---|
| Individual | $994 |
| Couple (both SSI-eligible) | $1,491 |
| Essential person (qualifying caregiver) | $498 |
These amounts reflect the 2.8% cost-of-living adjustment (COLA) effective January 1, 2026.
SSI State Supplement Amounts by State 2026: Full Chart
The tables below show 2026 state supplement amounts for one person 65 or older. The first figure in each row is for a senior living in their own home. Amounts that apply only in a care home or another special arrangement are labeled. Amounts also vary with income and household composition. Figures marked "varies" depend on individual circumstances and require direct confirmation with your state agency.
States Where SSA Administers the Supplement
Social Security pays at least part of the state supplement in these states. The amounts shown are SSA's published payment levels for January 2026. In Delaware, DC, Iowa, Michigan, Pennsylvania and Rhode Island, SSA pays only some categories, and the state pays the rest:
| State | State Supplement, One Person 65+ (2026) | Total Monthly, One Person 65+ (2026) |
|---|
| California | Own home: $239.94. Nonmedical out-of-home care: $632.07 | Own home: $1,233.94. Out-of-home care: $1,626.07 |
| Delaware | Own home: none. Adult residential care or assisted living: $140 | Own home: $994. Residential care: $1,134 |
| District of Columbia | Own home: none. Adult foster care home: $681 to $791 | Own home: $994. Foster care home: $1,675 to $1,785 |
| Hawaii | Own home: none. Community care, foster care or domiciliary care home: $829 to $937 | Own home: $994. Care home: $1,823 to $1,931 |
| Iowa | Own home: none, or $518 if a financially dependent family member lives with you. Family life or boarding home: $142 | Own home: $994 ($1,512 with a dependent). Family life home: $1,136 |
| Michigan | Own home: $14, paid by Michigan four times a year. Domiciliary care, personal care or home for the aged (paid by SSA): $87 to $179.30 | Own home: $1,008. Care homes: $1,081 to $1,173.30 |
| Montana | Own home: none. State-certified personal care, group home, foster care or transitional living: $26 to $94 | Own home: $994. Care settings: $1,020 to $1,088 |
| Nevada | Own home: $36.40. Domiciliary care: $391 | Own home: $1,030.40. Domiciliary care: $1,385 |
| New Jersey | Own home: $31.25 ($152.99 if you live only with a spouse who does not get SSI). Congregate care: $150.05 | Own home: $1,025.25 |
| Pennsylvania | Own home: $22.10, paid by Pennsylvania. Domiciliary care or personal care home (paid by SSA): $634.30 to $639.30 | Own home: $1,016.10. Care homes: $1,628.30 to $1,633.30 |
| Rhode Island | Own home: $39.92, paid by Rhode Island. Residential care or assisted living (paid by SSA): $332 | Own home: $1,033.92. Assisted living: $1,326 |
| Vermont | Own home: $55.68. Residential care homes and custodial family homes: $51.77 to $239.62 | Own home: $1,049.68 |
Note on California: The California supplement (called SSP) varies significantly based on living situation. Recipients in nonmedical out-of-home care, such as a licensed residential care home, receive a higher supplement than those living independently. For 2026, the combined SSI/SSP benefit for an individual living independently with cooking facilities is $1,233.94 ($1,362.81 without cooking facilities).
States That Administer Their Own Supplements
These states pay supplements separately through their own agencies. The amounts are 2026 rates for one person 65 or older living in their own home who gets federal SSI. Many of these states pay only people in care homes; contact your state agency for those amounts:
| State | State Supplement, Senior in Own Home (2026) | Notes |
|---|
| Alabama | None for most seniors at home | Paid only for certain Medicaid-waiver in-home care; check with the state |
| Alaska | $362 | Alaska Adult Public Assistance; separate application |
| Colorado | $189 | Old Age Pension payment floor for SSI recipients; separate application at your county |
| Connecticut | Varies | Figured case by case from your housing costs; contact CT DSS |
| Florida | None | Assisted living and adult family care homes only |
| Georgia | None | Nursing home residents only |
| Idaho | Up to $53 | Only for people who also get federal SSI |
| Illinois | Varies | Figured case by case; contact IDHS |
| Indiana | None | Residential care only |
| Kansas | None | Medicaid facility residents only |
| Louisiana | None | Medicaid facility residents only |
| Maine | $10 | |
| Maryland | None | Assisted living and CARE homes only; check with the state |
| Massachusetts | $128.82 living alone; $39.26 sharing a home | Managed by DTA; no separate application |
| Minnesota | $81 living alone; none when sharing a home | Minnesota Supplemental Aid; separate application |
| Missouri | None | Care facilities only; check with the state |
| Nebraska | Varies | Figured from your shelter costs; contact DHHS |
| New Hampshire | Varies | Figured case by case; contact DHHS |
| New Mexico | None | Residential shelter care only |
| New York | $87 living alone; $23 living with others | No separate application |
| North Carolina | None | Adult care homes only |
| Ohio | None | Residential State Supplement (care settings) only |
| Oklahoma | $40 | Contact Oklahoma Human Services |
| Oregon | No set monthly amount | Case-by-case special needs only; check with the state |
| South Carolina | None | Community residential care only |
| South Dakota | About $15, only if SSI is your only income | No 2026 figure published; check with the state |
| Texas | None | Nursing home residents only |
| Utah | None | Medical institution residents only |
| Virginia | None | Auxiliary Grant: assisted living, adult foster care and supportive housing only |
| Washington | $33 (since July 1, 2026) | Added automatically for SSI recipients |
| Wisconsin | $92.16 (since May 1, 2026) | $145.26 for a couple |
| Wyoming | About $20, only if SSI is your only income | No 2026 figure published; check with the state |
States with No SSI State Supplement
Six states (plus one U.S. territory) provide no state supplement. SSI recipients in these states receive only the federal amount of $994 per month:
| State | State Supplement | Total Monthly (Individual) |
|---|
| Arizona | None | $994 |
| Arkansas | None | $994 |
| Mississippi | None | $994 |
| North Dakota | None | $994 |
| Tennessee | None | $994 |
| West Virginia | None | $994 |
Which States Have the Highest SSI Supplements?
Based on 2026 rates, these states pay some of the largest state supplements, but most of the biggest amounts go only to people in care homes. For a senior living in their own home, the largest are Alaska ($362), California ($239.94) and Colorado ($189):
- Colorado -- $189 per month for an SSI recipient through the Old Age Pension, for a total of $1,183
- Hawaii -- $829 to $937 per month, but only in community care, foster care and domiciliary care homes; nothing for a senior in their own home
- Pennsylvania -- $634.30 to $639.30 per month in a domiciliary care or personal care home; $22.10 for a senior in their own home
- District of Columbia -- $681 to $791 above the federal base, but only in adult foster care homes
- California -- $239.94 for a senior in their own home, and $632.07 in nonmedical out-of-home care
- Alaska -- $362 per month for a senior in their own home through the Adult Public Assistance program
How Living Arrangement Affects Your Supplement
Your living situation is one of the biggest factors in determining your SSI state supplement amount. States typically have different payment levels for:
Living alone or as the householder: Usually the highest supplement category outside of care homes, since you bear the full cost of housing.
Living with others (household sharing): Most states pay a lower supplement when housing costs are shared.
Living in a care facility or group home: Some states pay substantially higher supplements to cover room and board costs. Pennsylvania, for example, pays $634.30 to $639.30 in a domiciliary care or personal care home vs. $22.10 for a senior in their own home.
Living with a spouse or essential person: Supplement amounts may adjust based on household composition.
How to Find Your Exact Supplement Amount
Because supplements vary by state, living arrangement, and income, the best ways to confirm your actual payment are:
- Call SSA at 1-800-772-1213. If your supplement is federally administered, SSA can tell you exactly what you receive and why.
- Contact your state's social services agency. For state-administered programs, your state's department of health and human services (or equivalent) has the specific payment tables for your situation.
- Check your award letter. Your most recent SSI award letter breaks down your federal payment and any state supplement separately.
- Use an online benefits screener. Tools like the one at benefitsusa.org/screener can estimate what you may qualify for based on your state, income, and household details.
How to Apply for SSI and State Supplements
Applying for Federal SSI
- Call 1-800-772-1213 or start at ssa.gov/ssi. The online SSI application is open only to some adults under 65, so people 65 or older apply by phone or at a local office
- Gather your documents: Social Security number, birth certificate, proof of citizenship, bank statements, proof of income, and medical records if applying on disability grounds
- Complete the application (Form SSA-8000 is the SSI application for both aged and disabled applicants)
- Wait for an eligibility determination, which can take 3 to 6 months for disability cases and faster for age-based applications
Applying for State Supplements
If your state administers its own supplement:
- California: Automatically considered when you apply for federal SSI; no separate application
- New York: No separate application; your SSI application at Social Security also counts as the application for the state supplement
- Massachusetts: No separate application; your SSI application at Social Security covers it, and the Department of Transitional Assistance (DTA) pays it
- Alaska: Apply for Adult Public Assistance through the Alaska Division of Public Assistance
- All other states: Contact your state's Medicaid or human services agency, since many state SSP programs are linked to Medicaid eligibility
For a senior living in their own home, SSA adds the supplement automatically when it processes your SSI application in California, Nevada, New Jersey and Vermont. In Delaware, DC, Hawaii, Iowa and Montana, SSA pays a supplement only in certain care settings (and, in Iowa, to someone supporting a dependent family member at home). Michigan, Pennsylvania and Rhode Island pay a senior at home themselves.
2026 COLA and What Changed
The 2026 federal SSI amount of $994 represents a 2.8% cost-of-living adjustment from the 2025 level of $967. Most states that tie their supplement to the federal amount also increased their supplements in January 2026. States that set their own fixed supplement amounts may or may not have adjusted upward in 2026; check with your state agency to confirm the current rate.
SSI and State Supplement Income Limits 2026
To qualify for federal SSI, you must meet income and resource tests. In some states, the state supplement also goes to people whose countable income is somewhat over $994; in California, for example, a senior at home can qualify for the state part with countable income under $1,233.94:
| Test | Limit |
|---|
| Countable income (individual) | Must be below $994/month |
| Countable income (couple) | Must be below $1,491/month |
| Resources (individual) | $2,000 or less |
| Resources (couple) | $3,000 or less |
Some income is excluded from counting, including the first $20 of most income, the first $65 of earned income, certain work expenses for people with disabilities, and irregular income under $20.
Frequently Asked Questions
Do I have to apply separately for the state supplement?
It depends on your state. If you are a senior living in your own home in California, Nevada, New Jersey, or Vermont, the SSA administers the supplement and adds it automatically to your SSI check. In Delaware, DC, Hawaii, Iowa, and Montana, SSA pays a supplement only in certain care settings. Michigan, Pennsylvania, and Rhode Island pay a senior at home themselves. In all other states, you may need to contact your state's social services agency separately.
Can I receive SSI in a state with no supplement?
Yes. If you live in Arizona, Arkansas, Mississippi, North Dakota, Tennessee, or West Virginia, you still receive the federal SSI amount of $994 per month (for individuals). You simply do not receive any additional state payment.
Does the state supplement affect my Medicaid eligibility?
In most cases, receiving the state supplement does not affect Medicaid eligibility. SSI recipients are typically automatically eligible for Medicaid. A few states have specific rules, so confirm with your state's Medicaid agency.
If I move to another state, will my SSI supplement change?
Yes. When you move to a new state, your total SSI payment will reflect that new state's supplement amount. Inform SSA of your move promptly to avoid overpayments or underpayments.
What is the difference between SSP, OSS, and state supplement?
These terms are often used interchangeably. SSP stands for State Supplementary Program. OSS stands for Optional State Supplement. Both refer to the same type of additional state-funded payment added on top of federal SSI.
Is the state supplement taxable?
Federal SSI is not taxable. In most states, state SSI supplements are also not counted as taxable income, but tax rules vary by state. Consult your state's revenue department if you have questions about state income tax.
How do I check if my state supplement amount is correct?
Request a benefit verification letter from SSA (online at ssa.gov/myaccount or by calling 1-800-772-1213) and compare it against your state's published payment tables. If there is a discrepancy, you can request a review or appeal.
If you want to check what you may qualify for beyond SSI, including SNAP, Medicaid, LIHEAP, and other programs, use the free screener at benefitsusa.org/screener. It covers all 50 states and checks 11+ programs at once.
