The Modernize SSI Stipends Act aims to substantially increase the financial support for institutionalized individuals and couples receiving Supplemental Security Income (SSI). It mandates a doubling of the minimum monthly personal needs allowance, raising it from $360 to $720 for individuals and from $720 to $1,440 for couples , effective for benefits after December 31, 2025. Crucially, the bill ensures that these increased personal needs allowances will be subject to annual cost-of-living adjustments (COLAs) , preventing their value from eroding over time. Furthermore, it updates the Social Security Act to guarantee that state supplementary payments will reflect these new, higher allowances and all subsequent COLAs, with these changes taking effect on January 1, 2026. This comprehensive adjustment seeks to provide more adequate personal funds for those in institutional care.