Social Security and Supplemental Security Income (SSI) are two major programs that provide monthly payments to those who qualify.
In 2026, these benefits can help with basic living costs, especially if you’re retired, disabled, or have limited income.
Here’s how eligibility works and what you could receive, including extra payments in some states.
Social Security Monthly Benefits in June 2026
If you’ve worked and paid into Social Security taxes, you may qualify for one or more types of benefits.
1. Retirement Benefits
Eligibility starts at age 62, with full benefits between ages 66 and 67 depending on your birth year.
| Benefit Type | 2026 Amount |
|---|---|
| Average monthly benefit | ~$2,071/month investopedia+1 |
| Max benefit at full retirement age (FRA) | Up to $4,152/month ssa+1 |
| Max benefit at age 70 | Up to $5,181/month ssa+1 |
| Max benefit at age 62 (early) | Up to $2,969/month fool+1 |
2. Disability Benefits (SSDI)
To qualify, you must have a medical condition that limits work for at least a year and enough work credits.
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Average SSDI payment: around $1,630/month
3. Survivor Benefits
If a worker passes away, their family may receive payments.
| Recipient | Benefit |
|---|---|
| Surviving spouse (full age) | Up to 100% of worker's benefit |
| Surviving spouse (younger with child) | Up to 75–100% |
| Minor child | Up to 75% of worker's benefit |
4. Family Benefits
Spouses or children of retirees or disabled workers can receive:
| Recipient | Benefit |
|---|---|
| Spouse (at FRA) | Up to 50% of worker's benefit |
| Eligible child | Up to 50% of worker's benefit |
Supplemental Security Income (SSI) in 2026
SSI is for people who are disabled, blind, or over 65 with low income and limited assets. The federal SSI payment increased 2.8% in 2026.
Federal Base Payment (2026)
| Category | 2026 Monthly Amount |
|---|---|
| Individual | $994/month |
| Couple | $1,491/month |
| Essential person | $498/month |
Resource limits (unchanged): $2,000 for individuals, $3,000 for couples (home and one car excluded).
Not sure what financial aid is available to you? Get the details here!
State SSI Supplements (2026)
Some states add a State Supplement to the federal payment. Amounts vary by living situation and income.
| State | 2026 State Supplement | Total (Federal + State) |
|---|---|---|
| California | up to $632.07 (SSP for assisted living/NMOHC) | $1,626/month |
| Alaska | up to $642.87 (average total) | $1,637/month |
| Massachusetts | up to $189 | $1,183/month |
| New York | up to $87 (living alone) | $1,081/month |
| Vermont | up to $64 | $1,058/month |
| Wisconsin | up to $85 | $1,079/month |
| Oregon | up to $40 | $1,034/month |
| New Jersey | up to $32 | $1,026/month |
| Pennsylvania | up to $28 | $1,022/month |
| Michigan | up to $14 | $1,008/month |
Who Is Eligible for SSI?
You may qualify if you:
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Are age 65 or older, blind, or disabled
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Have income and resources below set limits
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Are a U.S. citizen or qualified noncitizen
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Live in the U.S. or Northern Mariana Islands
How to Apply
You can apply for Social Security and SSI:
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Online at ssa.gov/apply
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At your local Social Security office
Final Thought
If you meet the qualifications, these monthly payments can offer steady support throughout retirement, during a disability, or in difficult times.
The 2026 COLA of 2.8% increased both Social Security and SSI benefits starting January 2026.
Make sure to check if your state offers additional assistance and apply early to avoid delays.
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