How to Secure Monthly Payments – Up to $967 Through SSI in 2025

Many Americans struggle to make ends meet, and what they might not realize is that they could qualify for a federal payment program designed for low-income individuals. The Supplemental Security Income (SSI) program provides monthly payments to those who meet specific requirements, offering financial relief to people in need. Funded by the federal government, SSI is designed for Americans with limited income and resources who meet one of three main criteria: having a disability, being blind, or being at least 65 years old.

Let’s look into the eligibility requirements, upcoming increases, and how to apply for SSI benefits in 2025.

Requirements

Unlike Social Security Disability Insurance (SSDI), which is based on a person’s work history and payroll tax contributions, SSI is strictly need-based. To qualify, applicants must meet at least one of the following:

1. Have a disability that prevents them from working.
2. Be blind.
3. Be 65 years of age or older.

However, just having low income isn’t enough. SSI recipients must meet additional financial and citizenship requirements to be eligible for the program.

Payment Increases

Thanks to the 2025 cost-of-living adjustment (COLA), all Social Security and SSI recipients will see a 2.5% increase in their payments. This increase is designed to help recipients keep up with rising costs due to inflation. The new SSI payment amounts after the COLA increase will take effect on December 31, 2024. Here’s what SSI beneficiaries can expect in 2025:

Category	Current Amount (2024)	New Amount (2025)
Individuals	$943	$967
Married Couples	$1,415	$1,450
Essential Persons*	$472	$484

*Essential persons are those living with and providing necessary care to SSI recipients.

These higher payment amounts will offer a bit more breathing room for those already struggling to make ends meet.

Eligibility Requirements

Beyond having a qualifying disability, blindness, or being aged 65 or older, there are additional requirements for SSI:

• Citizenship and Residency: You must be a U.S. citizen, national, or qualified non-citizen. Certain non-citizens may also be eligible if they meet specific classifications set by the Department of Homeland Security (DHS).
• Residency Rules: You must reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands. To remain eligible, you cannot be absent from these areas for more than 30 consecutive days or a full calendar month.
• No Incarceration: Those who are imprisoned or confined to a facility for over 30 days do not qualify for SSI payments.

Meeting these basic requirements ensures that you are eligible to apply for SSI, but it’s also important to know that applicants must report any changes in their living situation or financial resources to the SSA to avoid overpayments or interruptions in benefits.

How to Apply

If you meet the income and eligibility criteria, applying for SSI can be done online or over the phone. The application process involves providing documentation about your financial situation, living arrangements, and any disabilities you may have. Follow these steps to start your application:

1. Visit the SSA Website: You can begin your application process by visiting SSA’s SSI application page.
2. Call the SSA: Alternatively, call the SSA at 1-800-772-1213 (or TTY 1-800-325-0778) to make an appointment for assistance with your SSI application.
3. Provide Necessary Documents: During the application process, you’ll need to provide proof of identity, income, and medical evidence of any disabilities. Be sure to gather all required documents to ensure a smooth application process.

FAQs