The next Supplemental Security Income (SSI) payment will be issued on July 1, 2025, which is the first business day of the month, in line with the monthly payment schedule. There was no payment in June, as the payment for May was made earlier than usual.
An estimated 7.5 million people in the United States rely on SSI, including seniors aged 65 and above, individuals with certified disabilities, and children who meet the necessary eligibility criteria. SSI is crucial for these recipients, offering much-needed financial support.
For those receiving combined benefits (SSI with retirement benefits or SSDI), the July payments will be deposited on July 9, 16, or 23, based on their birth dates, as per the standard Social Security payment schedule.
What is SSI, and Who Qualifies in 2025?
SSI is a federal program funded by the U.S. Treasury, designed to provide monthly financial assistance to individuals with limited income and resources. Unlike Social Security benefits, SSI is a non-contributory program focused on aiding those in need rather than providing retirement or disability benefits.
Eligibility Requirements
To qualify for SSI, individuals must meet specific conditions:
- Age: 65 or older
- Disability: Legally blind or have a disability that significantly limits the ability to work, as defined by the Social Security Administration (SSA)
Additionally, there is a income limit. As of now, the general income threshold is under $2,019 per month. However, this amount can vary depending on marital status (whether single or married) and family status (such as dependents or children).
SSI Resource Limits
SSI applicants must also demonstrate limited resources. The following limits apply:
- $2,000 for individuals
- $3,000 for couples
These resources include things like cash, bank accounts, stocks, and property, excluding a primary residence and a vehicle.
Additionally, citizenship or permanent resident status is required. The individual must also reside permanently in the United States, with exceptions for short-term absences.
SSI Maximum Payments in 2025
For eligible individuals, the maximum monthly SSI benefit in 2025 is $967. For couples who both qualify, the maximum combined monthly amount is $1,450.
Several states, including California, provide additional state-level supplements, increasing the base federal amount. Keep in mind, SSI payments may be adjusted based on other income, such as employment wages, pensions, or valuable assistance in kind.
Important Change: Transition from Paper Checks
Starting on September 30, 2025, there will be a significant change to the SSI payment system. The U.S. Treasury will discontinue paper checks for federal benefits, including SSI and SSDI payments. From this date, all payments will be issued electronically.
This change will impact approximately 494,000 beneficiaries who still receive physical checks. Many of these individuals are older adults, residents of rural areas, or those who face challenges with digital literacy.
The transition is aimed at saving the government up to $657 million annually and is expected to reduce fraud and prevent lost or stolen checks (which amount to about 500,000 annually).
What You Need to Do
- If you currently receive paper checks, you need to log in or create an account on the Social Security online portal (my Social Security).
- Once logged in, choose the Direct Deposit option and provide your bank details (account type, account number, and routing number).
- If you do not have a traditional bank account, you can apply for a Direct Express card. This is a prepaid government-issued card that does not charge fees for purchases, annual use, or maintenance.
Conclusion
As we approach the July 2025 SSI payment, it’s important for beneficiaries to be aware of upcoming changes and requirements. The transition from paper checks to electronic payments, effective September 2025, marks a significant shift aimed at improving efficiency and reducing costs. Be sure to update your payment preferences to ensure uninterrupted access to your benefits.
FAQs
1. What is the eligibility requirement for SSI in 2025?
To qualify for SSI, applicants must be 65 or older, legally blind, or have a disability that meets SSA criteria. They must also have limited income and resources.
2. How much can I receive from SSI in 2025?
The maximum payment is $967 per month for individuals and $1,450 for eligible couples. This can be higher in states that offer additional supplements.
3. When will the next SSI payment be made?
The next SSI payment will be on July 1, 2025, which is the first business day of the month.
4. What should I do if I currently receive paper checks?
To transition to electronic payments, you must create an account on the SSA portal and choose Direct Deposit. If you don’t have a bank account, apply for a Direct Express card.
5. Why is the U.S. Treasury stopping paper checks for SSI payments?
The change aims to save the government $657 million annually and reduce the risk of lost or stolen checks.