In 2025, low-income individuals, as well as recipients of Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI), could see direct payments of up to $4,873 a month. While the full amount is typically reserved for those with a strong earnings history, the benefits for those on SSI and SSDI can still provide substantial financial support. Here’s everything you need to know about eligibility, application steps, and how much you could receive.
What Are SSI and SSDI Benefits?
SSI (Supplemental Security Income) is a program designed to provide financial assistance to individuals who are aged, blind, or disabled, and have limited income or resources. In 2025, the maximum SSI payment for an individual is $967, while couples may receive up to $1,450.
On the other hand, SSDI provides financial help to those who have worked and paid Social Security taxes for several years but are no longer able to work due to a disability. Depending on an individual’s earnings history, SSDI payments can go up to $4,873 a month in 2025.
Eligibility Criteria
To qualify for these payments, certain conditions must be met, and eligibility is determined by both financial need and medical condition. For SSI, applicants must:
- Be age 65 or older, blind, or disabled.
- Have limited income and resources.
- Be U.S. citizens or eligible legal residents.
For SSDI, applicants must:
- Have a sufficient work history, typically 10 years of paying Social Security taxes.
- Be diagnosed with a disability that prevents them from working.
How Much Will You Receive?
The amount you receive depends on which program you’re enrolled in and your earnings history. The $4,873 per month is typically for those who have delayed their retirement benefits and have a high lifetime income. However, for most SSI and SSDI recipients, the amount will be lower.
How to Apply for SSI and SSDI Benefits
To apply for these benefits, you will need to gather several documents, such as proof of identity, medical records, and information about your income and assets. The Social Security Administration (SSA) offers several ways to apply:
- Online – Visit the SSA website to submit your application.
- By Phone – Call the SSA at 1-800-772-1213 to start the process.
- In Person – Schedule an appointment at your local SSA office.
Once you’ve submitted your application, the SSA will review it and may request additional information. The processing time can vary, so be sure to follow up on your application status.
When Will You Receive Your Payments?
SSI payments are issued monthly, generally on the first of each month, except when the first falls on a weekend or federal holiday, in which case you’ll receive your payment on the preceding business day. SSDI payments are typically distributed on the second, third, or fourth Wednesday of the month, depending on your birth date.
Key Takeaways
- SSI payments provide a basic level of financial support for those with limited income or resources, while SSDI benefits are based on a person’s work history and disability status.
- You may qualify for payments ranging from $967 to $4,873 a month, depending on your specific situation.
- The application process can be done online, by phone, or in person. Make sure to gather all required documentation before applying.
- Be mindful of payment schedules to avoid missing out on timely support.
