SSI payment amounts in Oregon

The federal SSI payment for 2024 is $943 per month for an individual with no other income, and $1,415 for a couple. Oregon does not add a state supplement on top of the federal amount, so you receive only the federal payment. The exact amount you get depends on your other income — if you work, receive Social Security, or have other money coming in, your SSI payment is reduced.

These federal amounts change each year in January based on cost-of-living adjustments. The Social Security Administration announces the new amount in October for the following year. If you receive SSI, you will see the change reflected automatically in your January payment.

Your payment is deposited directly to your bank account or a Direct Express debit card on the first of each month. If the first falls on a weekend or holiday, the payment arrives the business day before.

Key Takeaways

  • Oregon's SSI payment is the federal amount only — $943 monthly for individuals in 2024 — because the state does not add extra money.
  • Your actual payment is reduced dollar-for-dollar if you have other income, such as wages or Social Security benefits.
  • The federal payment amount increases each January based on a cost-of-living adjustment announced the previous October.
  • Payments arrive on the first of each month by direct deposit or debit card, with no variation based on where you live in Oregon.

How other income reduces your SSI payment

SSI counts most money you receive as income and reduces your payment. Wages from work are counted, but the first $65 per month plus half of anything above that is not counted — this is called the "earned income exclusion." If you earn $200 per month, only $135 counts as income, so your SSI payment drops by $135.

Unearned income — Social Security, pensions, gifts, rental income — is counted dollar-for-dollar with no exclusion. If you receive $300 per month in Social Security and have no other income, your SSI payment is reduced by $300. The first $20 of unearned income per month is not counted, but this rarely makes a difference in practice.

Money in your bank account does not reduce your monthly payment, but it counts toward a resource limit. You can have up to $2,000 in countable resources as an individual or $3,000 as a couple. If you go over that limit, you lose SSI until your resources drop back down. Not all resources count — your home, one car, and certain items like household goods do not.

What is not included in the SSI payment

SSI is cash only. It does not cover medical care, and it does not automatically enroll you in Medicaid, though most SSI recipients in Oregon are covered by Oregon Health Plan (the state's Medicaid program). You must apply for Oregon Health Plan separately, and may be able to access is based on income and resources.

SSI also does not pay for housing, food, or utilities directly. If someone else pays for your food or housing, your SSI payment may be reduced by up to one-third of the federal payment amount. This is called "in-kind support and maintenance." If your parent pays your rent, for example, your SSI could drop by up to $314 per month (one-third of $943).

How to report changes that affect your payment

You must report changes in income, living situation, or resources to Social Security within 10 days. If you start working, get a raise, move in with someone else, or receive money from an inheritance, report it. You can report changes online at ssa.gov, by phone at 1-800-772-1213, or in person at your local Social Security office.

Failing to report changes can result in overpayments — money Social Security says you owe back. If you receive more than you should have, Social Security will ask you to repay it, often by reducing future payments. If the overpayment was your mistake and not intentional, you may be able to request a waiver, but this is not automatic.

Oregon-specific resources and contacts

Oregon does not run its own SSI program; Social Security handles all payments and may be able to access decisions. However, Oregon Health Plan (Medicaid) is administered by the Oregon Health Authority, and most SSI recipients are enrolled automatically. If you have questions about your Oregon Health Plan coverage, contact the Oregon Health Authority at 1-800-273-0557.

The Social Security Administration's local office in Oregon can answer questions about your SSI payment, report changes, or help with appeals. You can find your nearest office at ssa.gov/locator or call 1-800-772-1213. Many local disability advocacy organizations in Oregon also offer free help understanding SSI rules and reporting requirements.

What happens if your payment changes

If your income or living situation changes, Social Security recalculates your payment and sends you a notice explaining the new amount. The notice shows what income was counted and how your payment was reduced. If you disagree with the calculation, you can request a reconsideration within 60 days of the notice.

If your payment increases — for example, because you stopped working or your other income ended — the increase takes effect the month after Social Security processes the change. If your payment decreases, Social Security usually gives you at least 10 days' notice before the reduction starts.

Frequently Asked Questions

Does Oregon add extra money to the federal SSI payment?

No. Oregon does not have a state supplement program. You receive only the federal SSI amount, which is $943 per month for an individual in 2024. Some states add money on top of the federal payment, but Oregon does not.

If I work part-time, how much will my SSI payment be reduced?

The first $65 of your monthly earnings is not counted, and half of anything above that is not counted. If you earn $200 per month, $135 counts as income, so your SSI payment drops by $135. The reduction is based on your actual earnings, not your hourly rate.

Will I lose SSI if I receive an inheritance?

An inheritance counts as a resource. If it pushes your total resources over $2,000, you lose SSI until you spend it down. However, if you use the money for basic needs like housing or medical care, it may not count as a resource in the same way. Report any inheritance to Social Security immediately.

Do I automatically get Oregon Health Plan with SSI?

Most SSI recipients are enrolled in Oregon Health Plan automatically, but you should verify your coverage. Contact the Oregon Health Authority at 1-800-273-0557 to confirm you are enrolled. If you are not, you can apply through the Oregon Health Authority website or by phone.

What if Social Security overpaid me?

Social Security will notify you of the overpayment and ask you to repay it. They typically recover the money by reducing future payments. If the overpayment was not your fault, you can request a waiver, but you must ask within 60 days of receiving the overpayment notice.