$967 Federal SSI Payments with COLA – Check Eligibility Criteria and Payment Schedule

Supplemental Security Income (SSI) is getting a boost in 2025, and if you’re eligible, you could receive up to $967 per month thanks to the latest Cost-of-Living Adjustment (COLA). That’s a $24 increase from the previous year. Whether you’re already receiving SSI or thinking about applying, this guide covers everything you need to know—from eligibility rules and income limits to payment schedules and how COLA affects your benefits.

Overview

SSI is designed to support low-income individuals who are either aged 65+, blind, or disabled. It provides monthly payments to help cover essential living costs like food, shelter, and clothing.

Increase

The 2025 COLA is 2.5%, pushing monthly SSI payments to $967 for single recipients. This adjustment helps ensure the value of your benefits keeps up with rising costs.

COLA affects not just SSI but also Social Security Disability Insurance (SSDI) and retirement benefits. That way, all Social Security recipients benefit equally from inflation-based increases.

For many living on fixed incomes, even a small increase like this can make a real difference—especially as costs for housing, groceries, and healthcare continue to climb.

Eligibility

You must meet all three of the following categories to qualify:

1. Age or Disability Status

• 65 or older
• OR legally blind or disabled (condition must prevent substantial work and last 12 months or more)

2. Income Limits (2025)

• $1,971/month for individuals
• $2,961/month for couples
  This includes wages, Social Security payments, and other financial support.

3. Resources

• $2,000 for individuals
• $3,000 for couples
  This includes savings, investments, and property (excluding your home and primary vehicle).

4. Citizenship
You must live in the U.S. and be either a U.S. citizen or a qualifying non-citizen.

Example:
A 70-year-old with no job and $1,000 in a savings account, receiving no other income, would likely qualify for SSI based on age and financial need.

Payments

SSI payments usually go out on the first of the month. But if that day falls on a weekend or holiday, the payment is issued on the prior business day.

Sample Payment Dates (2025)

To avoid confusion, it’s always a good idea to set up direct deposit so payments arrive quickly and securely.

Apply

If you think you’re eligible, don’t wait. Here’s how to apply for SSI:

1. Gather Your Documents

• Birth certificate or ID
• Social Security number
• Bank statements
• Medical records if applying due to disability
• Proof of income or benefits

2. Submit Your Application
You can apply in one of three ways:

• Online: Visit ssa.gov
• By Phone: Call 1-800-772-1213
• In Person: Visit your local Social Security office

3. Wait for a Decision
It may take a few weeks or months. If approved, payments will be backdated to your application date.

4. Maintain Your Eligibility
Keep SSA updated on any changes in income, living arrangements, or assets.

Other Benefits

SSI is just one piece of the puzzle. If you qualify, you might also be eligible for:

• SNAP (Food Stamps)
• Medicaid
• Section 8 Housing Assistance
• Low-Income Home Energy Assistance Program (LIHEAP)

Applying for SSI can open the door to these programs automatically or make you eligible more quickly.

FAQs