The Social Security Administration (SSA) has concluded the June benefit payments, with the last round deposited into recipients’ accounts on Wednesday, June 25.
As we move forward, let’s take a look at the SSI payments for July 2025, starting on July 1.
When Will SSI Payments Be Distributed in July?
For Supplemental Security Income (SSI) recipients, payments are typically made on the first day of each month. If this day falls on a weekend or holiday, the payment is moved to the preceding business day.
In July 2025, the 1st lands on a Tuesday, meaning payments will be processed on that day without any delays, unlike in June when payments were made earlier due to the 1st falling on a Saturday, leading to an advance payment on Friday, May 30.
Eligibility for SSI Payments in July
To receive SSI benefits, individuals must meet specific eligibility guidelines set by the SSA. The primary beneficiaries are:
- Adults aged 65 or older
- Individuals who are blind or disabled, unable to perform substantial gainful activity (SGA)
Additionally, children under 18 with a qualifying disability may also be eligible. All applicants must demonstrate limited income and resources to qualify. For working adults, the income limit is typically $2,019 per month.
Living situations play a crucial role in eligibility and the amount received. For example, if a beneficiary resides in someone else’s home and doesn’t contribute to their living expenses, their payment may be reduced.
Moreover, family composition—whether they live with a spouse or parents—affects the final determination.
SSI Payment Amounts in 2025
In 2025, the maximum federal SSI benefit is as follows:
- $967 per month for an individual
- $1,450 per month for an eligible couple
However, actual payments are often lower than the maximum amounts due to various factors, such as income and living arrangements:
- For every $2 of earned income, the SSI payment decreases by $1.
- Unearned income (such as gifts or unearned payments) also reduces the benefit, with a reduction of $1 for every $1 received.
- If a beneficiary lives in someone else’s home and doesn’t pay their fair share of expenses, the payment could be reduced by up to $342.33.
Certain states may also provide supplemental payments, which do not impact the federal benefit amount.
What to Do If Your SSI Payment Is Missing
If your SSI payment does not arrive as expected, don’t panic. You can contact the SSA for assistance. Here’s how:
- Call the SSA at 1-800-772-1213 (available from 8:00 a.m. to 7:00 p.m., Monday through Friday, local time).
- For individuals with hearing impairments, use the TTY service at 1-800-325-0778.
- Alternatively, visit a local Social Security office to get in-person help.
If the payment is delayed, the SSA will investigate the issue to determine whether there was a processing error or if any further action is required either from you or the bank handling your payments.
In July 2025, SSI payments will begin on July 1, with payments processed on that date as it falls on a business day.
Eligibility for these payments includes adults 65+, individuals with disabilities, and children with qualifying conditions, while the amount varies based on income, living arrangements, and other factors.
If there are any delays in receiving payments, the SSA offers several ways to address the issue.
FAQs
How can I check if my SSI payment is delayed?
You can check the status of your payment by calling the SSA at 1-800-772-1213 or visiting a local Social Security office.
What if I live with family members, does it affect my SSI amount?
Yes, if you live in someone else’s home without contributing to household expenses, your SSI payment can be reduced by up to $342.33.
What is the income limit for SSI eligibility in 2025?
For working adults, the income limit is $2,019 per month to remain eligible for SSI benefits.
