The Social Security Administration (SSA) will issue Supplemental Security Income (SSI) payments for July 2025 on Tuesday, July 1st. This date follows the usual schedule, as the 1st falls on a weekday. Unlike in June, payments will not be made early.
In June 2025, the first day was a Sunday. This circumstance forced the payment to be brought forward to Friday, May 30th. The month of July is different, as this situation does not apply, with the distribution confirmed for Tuesday, July 1st.
The funds will be available on the first business day of the month. Recipients will access the money using their chosen method: direct deposit or Direct Express card.
Current federal amounts for SSI payments in 2025
The federal maximum amount for an individual SSI beneficiary is $967 per month. Eligible couples receiving the joint benefit can receive up to $1,450 per month. This amount is divided equally between the two partners.
There is a third recognized payment of $484 per month. This benefit is intended for an “essential person.” This is defined as someone who lives with an SSI beneficiary and provides “essential and ongoing care.”
These figures already incorporate the 2.5% increase implemented in January 2025, and effective through December, for all Social Security payments. For 2026, The Senior Citizens League (TSCL) already projects that the increase will also be close to 2.4% or 2.5%.
Who is eligible to receive SSI payments?
SSI eligibility requires meeting one of these main criteria: being age 65 or older, being legally blind, or having a disability that prevents “substantial gainful employment” under SSA standards.
The applicant’s countable income must not exceed the established limits. The individual monthly limit is $967. For eligible couples, the combined limit is $1,450 per month. Income proportionally reduces the payment.
The SSA applies specific income deduction rules. For every $2 of earned income above the first $85, $1 is deducted from the SSI payment. Other sources of income also affect the final amount.
SSI applicants are limited in their available resources or assets. An individual beneficiary cannot have countable resources exceeding $2,000, while for eligible couples, the joint limit is $3,000.
The SSA considers bank accounts, stocks, bonds, and other property other than your primary residence, as well as any vehicle other than your primary residence, to be assets.
The applicant must be a U.S. citizen or national, or have qualifying immigration status. They must reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands. They cannot remain outside the U.S. for more than 30 consecutive days, or they will immediately lose benefits.
You could lose your SSI payments if you don’t make a change before the end of September
Beginning in September 2025, the SSA will discontinue sending paper checks. All beneficiaries must receive payments by electronic transfer: direct deposit or Direct Express prepaid card. This measure was ordered by presidential decree in March.
The initiative seeks to save approximately $657 million annually. It will affect an estimated 485,000 to 494,000 beneficiaries, particularly older adults without banking access or living in rural areas.
The SSA recommends those affected open a bank account or apply for a Direct Express card immediately. Very limited exceptions may exist, although precise details are not yet available. Those who fail to act could face delays or temporary loss of payments, affecting the ability to pay for essential services.
Contact your local SSA agency now to begin the process of transitioning your benefit payments to digital.
