SSI payments are getting a boost in 2025, thanks to the annual Cost-of-Living Adjustment (COLA). If you’re wondering how much you’ll receive each month and what might reduce your payment, let’s break it down.
Increase
For 2025, SSI payments will increase by 2.5%, starting in January. Each year, the Social Security Administration calculates new SSI amounts by applying the COLA to the previous year’s total. Then, they divide that figure by 12 and round down to the nearest dollar for monthly payments.
Here’s what the new maximum monthly SSI benefits look like for 2025:
| Recipient Type | 2025 Monthly Payment |
|---|---|
| Eligible Individual | $967 |
| Eligible Couple | $1,450 |
| Essential Person | $484 |
While these are the maximum amounts, your actual payment might be lower due to income, living arrangements, or other personal factors.
Reductions
Several factors can reduce your SSI payments. Let’s take a closer look at how different types of income and situations affect your benefits.
Earned
If you’re working, your SSI payment decreases by $1 for every $2 you earn. This includes wages from a job, self-employment, or any work-related activities.
Unearned
Income from non-work sources—like disability benefits, unemployment, or pensions—reduces your SSI dollar-for-dollar. So, if you receive $200 in unemployment benefits, your SSI payment will decrease by $200.
Household
Living with a spouse who earns income? Their earnings can also affect your SSI amount. The more they earn, the lower your payment might be.
Children
If a child receives SSI and lives with their parents, the parents’ income can impact the child’s benefit. Both the child’s and parents’ earnings are considered.
Living
Where and how you live matters too. If you live in someone else’s home without paying your fair share for food and shelter, your payment can be reduced by up to $342.33 each month.
SSI payments aim to help those in need, but factors like income, household composition, and living situations can affect how much you actually receive. With the 2.5% increase in 2025, knowing these adjustments is key to knowing what to expect from your benefits.
FAQs
What is the 2025 SSI increase percentage?
SSI payments increase by 2.5% in 2025.
How much is the 2025 SSI payment for individuals?
An eligible individual can receive $967 monthly in 2025.
How does earned income affect SSI?
SSI is reduced by $1 for every $2 earned from work.
Can household income reduce my SSI payment?
Yes, a spouse’s income can impact your SSI amount.
What living situations reduce SSI payments?
Living in someone else’s home without contributing can reduce SSI by $342.33.
