Sam
The next Supplemental Security Income (SSI) payment will be made on July 1, 2025, marking the first business day of the month as per the usual payment schedule. It’s important to note that there was no payment in June 2025 since the May payment was issued early.
Over 7.5 million individuals in the United States rely on SSI. This includes seniors aged 65 and older, individuals with certified disabilities, and eligible children. For many, SSI serves as a vital financial lifeline.
For those receiving a combination of SSI and retirement or SSDI benefits, July deposits will be determined by the date of birth, following the typical Social Security payment schedule.
Payments will be issued on July 9, 16, and 23, 2025, depending on the beneficiary’s birth date.
What is SSI and Who Qualifies for It in 2025?
Supplemental Security Income (SSI) is a federal program that provides monthly financial assistance to individuals with very limited income and resources. Unlike other Social Security benefits, SSI is based on financial need rather than previous work history or contributions.
To qualify for SSI in 2025, the following conditions must be met:
- Age: Must be 65 or older.
- Disability: Must have a medical condition that significantly limits the ability to work, or be legally blind.
- Income: Must have a low monthly income. The income limit for an individual is generally less than $2,019 per month, though this can vary based on marital status and whether there are dependents.
Limited Resources for SSI Eligibility
To be eligible for SSI, applicants must show they have limited resources. The maximum allowed resources are:
- $2,000 for individuals.
- $3,000 for couples.
Resources include things like:
- Cash,
- Bank accounts,
- Stocks,
- Property (excluding primary residence and vehicle).
Additionally, applicants must be U.S. citizens or have an approved immigration status and must reside in the U.S. on a permanent basis, avoiding extended absences.
If individuals receive significant income from pensions, retirement benefits, or other sources, their SSI eligibility could be reduced or eliminated.
There are special rules for minors and individuals in job-readiness programs, which should be clarified with the Social Security Administration (SSA) during the application process.
SSI Payment Limits: Up to $1,450 for Eligible Beneficiaries
In 2025, the maximum SSI amounts are as follows:
- An individual can receive up to $967 per month.
- A couple may receive up to $1,450 per month.
This represents the maximum federal support available to eligible individuals or households.
Some states provide additional local cash supplements, increasing the federal SSI amount. For example, California offers substantial supplementary contributions.
Keep in mind, payments may be reduced if the beneficiary has other sources of countable income, such as earnings, pensions, or in-kind assistance.
Major Change Coming: No More Paper Checks for SSI
A significant change will take effect on September 30, 2025: the U.S. Treasury will stop issuing paper checks for federal benefits, including SSI and SSDI payments. All future payments will be electronically transferred.
This change will impact approximately 494,000 beneficiaries who still receive paper checks, many of whom are older adults, residents of rural areas, or individuals with limited access to digital platforms.
The transition to electronic payments is driven by several factors:
- Cost savings: The U.S. Treasury estimates it will save up to $657 million annually.
- Reduction in lost or stolen checks: Around 500,000 checks are lost or stolen each year.
How to Switch to Electronic Payments
If you are one of the individuals who currently receive paper checks, follow these steps to switch to electronic payments:
- Log in to your Social Security online account at my Social Security (or create one if you don’t have an account).
- Select the Direct Deposit option and provide your bank details:
- Bank name,
- Account type (savings or checking),
- Account number,
- Routing number.
If you do not have a bank account, you can apply for a Direct Express card, a government-issued prepaid card that allows automatic deposits of your benefits without any fees for usage, annual charges, or purchases.
The July 1, 2025 SSI payment marks an important point in the ongoing support for millions of beneficiaries across the United States.
With the end of paper checks on the horizon and a shift toward electronic payment methods, individuals relying on SSI benefits will need to transition to digital payments.
Ensuring eligibility for SSI in 2025 requires meeting specific financial criteria and having limited resources, along with the necessity to stay informed about the upcoming changes.
FAQs
When is the next SSI payment?
The next SSI payment is scheduled for July 1, 2025, marking the first business day of the month.
What are the eligibility criteria for SSI in 2025?
To qualify for SSI, you must be 65 or older, legally blind, or have a disability that limits your ability to work, with a low income and limited resources.
How do I switch to electronic payments for SSI?
You can switch to electronic payments by logging into your Social Security account, selecting Direct Deposit, and providing your bank details. Alternatively, you can apply for a Direct Express card if you don’t have a bank account.