The United States has launched its first large-scale Guaranteed Income Program offering $500 per month to selected low- and middle-income households. The program began in Cook County, Illinois, and is designed to provide financial relief without strict conditions or spending restrictions.
This initiative aims to help families cover essential costs such as housing, groceries, utility bills, healthcare, and childcare. Unlike traditional welfare programs, recipients do not need to prove employment status or how the money is used.
Basic Eligibility Requirements
To qualify for the $500 monthly guaranteed income payments, applicants must meet three main conditions:
Residents must live in Cook County, Illinois. Proof of residency such as an ID or utility bill is required.
Applicants must be at least 18 years old.
Household income must fall within approximately 250 percent of the Federal Poverty Level. This includes low-income families and working households with moderate earnings. For example, a family of four earning close to $69,000 per year may still qualify depending on federal guidelines.
How Participants Are Selected
Since the program has limited funding, not everyone who qualifies is accepted automatically. Eligible applicants are chosen through a lottery system to ensure fairness.
In the first phase of the program, around 3,250 households were selected to receive the $500 monthly payments.
No Restrictions on Spending
One of the biggest features of this guaranteed income program is flexibility. Recipients can spend the money however they need, including:
Rent or mortgage payments
Food and groceries
Transportation
Medical expenses
Childcare costs
Debt payments
There are no work requirements and no reporting rules on how the money must be used.
Why This Program Is Important
Early results from the Cook County pilot program show positive impacts. Many participants reported:
Better financial stability
Reduced stress
Improved housing security
Ability to manage emergencies
Local officials say the program has helped families avoid eviction, pay bills on time, and plan for the future.
Is This a Nationwide Program?
No. The Guaranteed Income Program is not a federal benefit available across the U.S. It is a local initiative launched by Cook County. However, several other cities and states are testing similar programs inspired by its success.
Availability and eligibility rules may vary depending on location and funding.
What’s Next for Guaranteed Income in the U.S.?
As of 2026, Cook County has extended its program and continues to evaluate long-term results. Policymakers across the country are closely watching its impact, with many considering expanding guaranteed income support in their own communities.