Different people get different amounts of SSI payments. In reality, depending on their income and other resources, only some beneficiaries can get the full benefit.
At the moment, people who get benefits from the Supplemental Security Income program get an average of $698 a month. In 2025, the most a person without any resources or income could get in benefits is $967 a month, while a married couple could get up to $1,450. People who are considered “essential persons” will get up to $484 in 2025, though.
How much money will beneficiaries receive in their next SSI payments?
The amount of SSI benefits you get will depend on how much money you have. Your 2025 federal payment could be higher or lower than these ranges, which have already been set. As an example, SSA guidelines for 2024 say that seniors over 65 get an average of $575.
This lower average is usually because a lot of seniors also get retirement benefits, which means they can not get the most SSI.
On the other hand, people younger than 18 usually get a lot more. It will cost them about $818 a month in November 2024. Since the 2025 COLA adjustment is coming up, this amount will go up a little. But when do you think the next Supplemental Security Income payments will be sent to the recipients?
The Social Security Administration says that people who get SSI payments will be the last Americans to get benefits before the end of the year. The due date for this payment is December 31, 2024.
The January 1 payment will be made one day early because January 1 is New Year’s Day and Social Security does not make payments on federal holidays. Keep in mind that the SSI program does not offer any bonuses or extra payments. Even though you might get two payments in one month, one is just a deposit for the next month.
SSI payments will increase by 2.5% next year for more than 7 million recipients
The Bureau of Labor Statistics said on October 10 that the new cost of living adjustment (COLA) for 2025 will be 2.5%, which is 0.7% less than the COLA increase for 2024. This means that next year, people who get Supplemental Security Income (SSI) will get the following amounts in payments:
| SSI payments | Social Security checks | 2.5% COLA increase | Extra income |
| On average | $698 | $715 | $17 |
| Individuals | $943 | $967 | $24 |
| Couples | $1,415 | $1,450 | $35 |
| Essential person | $472 | $484 | $12 |
If your SSI payments do not arrive on time, remember that you should wait at least three mailing days before calling customer service or going to My Social Security Accounts. This is where you can find out more about your monthly payment amounts or ask for other Social Security-related services in the United States.
This is how the SSA calculates your SSI payments
Here are the most important factors that the Social Security Administration uses to figure out how much SSI to give you:
- Eligible Individual: Based on an annual total of $11,604.53, your 2025 SSI payment as a single recipient will be $967 per month.
- Eligible Couple: For couples who both qualify, the monthly payment is $1,450, based on an annual total of $17,404.87.
- Essential Person: If you live with someone who provides necessary care and assistance, their monthly payment is $484, for an annual total of $5,815.57.
Any income that can be counted will be taken out of the monthly payment because the SSA will split it evenly between the qualified person and their spouse if both of them are eligible.
Keep in mind that some states give extra money on top of SSI payments. An extra “cost-of-living lift” of 2.5% is added to SSI payments every year to keep up with rising costs.
The amount of money you pay will depend on whether you are traveling by yourself, with a partner, or as a “essential person.” The yearly total is split into 12 equal parts, and any extra money is rounded down to the nearest dollar. This way, no extra cash is left over.
