Supplemental Security Income (SSI) is a federal program that helps elderly, disabled, and low-income individuals meet their basic needs. Each year, SSI rates are adjusted for inflation through a Cost-of-Living Adjustment (COLA). For 2025, the COLA increase is 2.5%, effective from January 2025. This change directly benefits millions of recipients across the United States.
New Rates
The maximum federal SSI rates for 2025 are:
| Category | Monthly Amount |
|---|---|
| Eligible Individual | $967 |
| Eligible Couple | $1,450 |
| Essential Person | $484 |
These amounts are calculated by applying the 2.5% increase to the 2024 rates and rounding down to the nearest whole dollar. For example, an eligible couple’s annual unrounded amount from 2024 was $16,980.36. After applying the 2.5% increase, it became $17,404.87, which equals $1,450 per month.
Calculation
SSI payment rates are determined by:
- Increasing the unrounded annual amount by the next year’s COLA
- Dividing by 12 to get the monthly amount
- Rounding down to the nearest dollar
This ensures payment amounts are adjusted fairly and consistently each year.
Eligibility
To receive the $1,450 SSI payment in August 2025 (for couples), you must meet all of these requirements:
- Be a U.S. citizen or qualifying non-citizen
- Have income and resources under the federal limits
- Be disabled, blind, or age 65 and older
- Have applied for SSI through the Social Security Administration
If you qualify as an individual, your maximum monthly amount will be $967.
Payment Reductions
Your SSI amount may be reduced if you have countable income. Countable income includes money from wages, pensions, or other benefits. For couples, the total SSI amount is divided equally.
Example: If a couple qualifies for $1,450 with no other income, each person gets $725. If they have countable income, the payment amount will be lower.
State Supplements
Some states provide additional SSI payments called State Supplements. These amounts vary by state and are added to the federal amount. For example, California and New York offer higher payments through state-funded programs.
Payment Dates
SSI payments are usually made on the first day of the month. If the first falls on a weekend or holiday, payment is issued on the business day before. For August 2025, the payment date is Friday, August 1, 2025.
| Month | Payment Date |
|---|---|
| August 2025 | August 1, 2025 |
Receiving Payments
SSI payments can be received in three ways:
- Direct Deposit – the fastest and safest method
- Direct Express® debit card – funds are loaded onto the card
- Paper check – available in certain situations, but slower
It’s recommended to set up Direct Deposit through the Social Security website for secure and timely payments.
The $1,450 SSI payment for August 2025 will be a welcome support for couples with limited income. Staying informed, keeping your records updated, and confirming eligibility ensures you receive your benefits on time.
FAQs
What is the SSI amount for couples in 2025?
The maximum federal SSI payment is $1,450 per month for couples.
When will August 2025 SSI be paid?
It will be paid on Friday, August 1, 2025.
How much will individuals get in 2025?
Eligible individuals will receive up to $967 per month.
Can SSI be reduced if I have income?
Yes, countable income reduces the SSI amount.
Do all states give extra SSI payments?
No, state supplements depend on state policies.
