Social Security Boosts Benefits for 2025 – Couples Could See Big Gains!
For millions of American couples, Social Security and Supplemental Security Income (SSI) benefits just got a boost in 2025. The average monthly Social Security payment for couples is now $3,089, while eligible SSI recipients could receive up to $1,450 per month. These increases aim to help beneficiaries cope with rising living costs. Here’s a breakdown of what you need to know.
Social Security Payments for Couples
Social Security benefits are calculated based on your lifetime earnings and contributions through payroll taxes. If both partners in a couple are eligible for Social Security and have reached their full retirement age, their combined monthly benefit averages $3,089.
This amount reflects a 2.5% Cost-of-Living Adjustment (COLA) introduced in 2025. For comparison, the average monthly benefit for individuals is $1,976, which increased from $1,927 in 2024.
SSI Payments for 2025
SSI, a federal program designed for those with limited income and resources, has also seen an increase this year. The maximum federal SSI payment is now $967 per month for an individual and $1,450 per month for an eligible couple.
These amounts are slightly higher than in 2024 when individuals received up to $943, and couples could get $1,415.
Are You Eligible?
Eligibility depends on the program:
- Social Security Benefits: You need to have earned enough work credits over your career. Full retirement age varies by birth year, though you can start claiming benefits as early as 62.
- SSI Payments: This program is need-based, so your income and resources must fall below specific limits. Applicants must also be at least 65 years old, blind, or disabled.
Payment Schedules
- Social Security Payments: The Social Security Administration (SSA) typically sends payments on the second, third, or fourth Wednesday of each month, depending on your birth date.
- SSI Payments: SSI payments are usually issued on the first of the month. For example, the January 2025 SSI payment was disbursed on December 31, 2024, because of the New Year’s holiday.
Tips to Maximize Your Benefits
- Delay Retirement: Waiting beyond full retirement age to claim benefits can increase your monthly payments.
- Double-Check Records: Make sure your earnings history with the SSA is accurate. Incorrect records could lower your benefits.
- Explore Spousal Benefits: One spouse may qualify to receive a portion of the other’s Social Security benefit, boosting the household total.
