Senior Aid Finder Guide

SSI for Adults 65 and Older in 2026: Income, Resources and Payments

Reviewed August 27, 2026 · Independent informational service

Supplemental Security Income (SSI) is administered by Social Security, but it is not the same program as Social Security retirement. SSI is needs-based and can pay eligible people who are 65 or older, blind, or disabled and have limited income and resources.

Why the distinction matters

Retirement benefits are generally based on a worker’s covered earnings record. SSI looks at financial need and other eligibility rules. Some people receive both programs.

2026 payment changes

Social Security announced a 2.8% cost-of-living adjustment for 2026. The federal SSI payment amount changes with the COLA, but an individual’s actual payment depends on countable income, living arrangements and, in some states, a state supplement.

Resources are not simply everything you own

SSI has resource rules, but some property is excluded. Do not total every possession and decide you are over the limit without checking Social Security’s definitions.

What to prepare

Before contacting SSA, gather information about income, bank balances, living arrangements and other resources. Use SSA’s official channels to apply. Never send your Social Security number through Senior Aid Finder.