What are the income limits for SSI in Rhode Island?
By Hogan Smith
Updated 05/29/2025
If you're a Rhode Island resident seeking Supplemental Security Income (SSI), understanding the income limits is crucial for determining your eligibility. SSI is a federal program that provides financial assistance to individuals who are aged, blind, or disabled and have limited income and resources. Rhode Island supplements the federal SSI benefit with additional state payments, which can vary based on living arrangements.
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Federal SSI Income Limits (2025)
As of 2025, the maximum federal SSI benefit amounts are:
- Individual: $967 per month
- Couple (both eligible): $1,450 per month
These amounts are reduced by any countable income you receive. Countable income includes wages, Social Security benefits, pensions, and other sources. Some income is excluded, such as the first $20 of most income received in a month and the first $65 of earnings plus half of earnings over $65.
Rhode Island State Supplement (2025)
Rhode Island provides a state supplement to the federal SSI payment, which varies depending on your living situation:
- Individual living independently: $1,006.92 per month
- Couple living independently: $1,529.38 per month
- Individual living in someone else's household: $696.59 per month
- Couple living in someone else's household: $1,063.97 per month
- Individual in a licensed residential care or assisted living facility: $1,299.00 per month
- Individual in a Medicaid facility: $75.00 per month
- Couple in a Medicaid facility: $150.00 per month
These combined federal and state payments are subject to reduction based on your countable income.
Income Limits for SSI Eligibility
To qualify for SSI in Rhode Island, your countable income must be less than the combined federal and state benefit amounts based on your living arrangement. For example:
- If you're an individual living independently, your countable income must be less than $1,006.92 per month.
- If you're a couple living independently, your combined countable income must be less than $1,529.38 per month.
Not all income is countable. The Social Security Administration excludes certain types, such as:
- The first $20 of most income received in a month
- The first $65 of earnings and half of earnings over $65
- SNAP (food stamps) benefits
- Shelter provided by nonprofit organizations
Resource Limits
In addition to income limits, SSI has resource limits:
- Individual: $2,000
- Couple: $3,000
Resources include things like cash, bank accounts, stocks, and real estate (other than your primary residence). Some resources are excluded, such as:
- Your home and the land it’s on
- One vehicle used for transportation
- Household goods and personal effects
How Hogan Smith Can Help
Navigating the SSI eligibility requirements can be complex, especially when considering the interplay between federal and state rules. At Hogan Smith, we assist Rhode Island residents by:
- Evaluating your financial situation to determine SSI eligibility
- Guiding you through the application process, ensuring all necessary documentation is provided
- Advising on income and resource exclusions to maximize your benefit
- Representing you in appeals if your application is denied
Contact Hogan Smith Today
If you're uncertain about your SSI eligibility or need assistance with your application in Rhode Island, Hogan Smith is here to help. Call us today for a free consultation, and let us guide you through the SSI process to secure the support you need.
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