Medicare premiums and surcharges at 65, and the Social Security rules around them.
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Open the Medicare & Later Life tool →Supplemental Security Income is a monthly payment for people who are 65 or older, blind or disabled, and have little income and few resources. The federal payment starts from a set amount for one person or for a couple, and Social Security subtracts the income that counts.
Not all income counts. The first $20 a month of most income is ignored. From earnings, a further $65 is ignored, and then only half of what is left counts. A student under 22 can exclude more of their earnings. So someone who works part time keeps most of their SSI. Other income, such as Social Security or a pension, counts dollar for dollar after the first $20.
Resources count too: savings, investments and most things you own, though not your home and usually not one car. Above the federal limit, SSI is generally not paid, but some things do not count, so it is still worth asking.
This estimates the federal payment only. Many states add their own supplement, and food or shelter someone else provides can lower the payment, which this does not model. Only Social Security decides whether you are paid and how much. This is information about published rules, not a benefits-eligibility determination.
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