Social Security recipients who are eligible for Supplemental Security Income may have already received their December 29, 2024 payment, now they must be wondering about their January 2025 payment.
Supplemental Security Income for January 2025 will be based on the 2025 COLA increase. Recipients should know that they will receive the payment for January 2025 in the coming days only in December 2024.
SSI payment for January 2025
The federal government offers support to adults and children with disabilities who do not have enough income and resources to cover their living expenses through SSI. The Social Security Administration administers Supplemental Security Income and helps eligible Americans.
Under SSA payment rules, the administration pays SSI payments on the first day of the pay month, however, if the pay day falls on a public holiday or weekend, recipients receive the payment earlier. Based on this payment rule, SSI recipients inquiring about January 2025 payments can expect a payment on December 31, 2024 due to the New Year holiday.
Early payment for January 2025 December 31, 2024 (Wednesday) means you will receive a payment according to the 2025 COLA increase. Recipients wondering if they will receive a payment in January 2025 should know that the February 2025 SSI payment will be paid on January 31, 2025, as Sunday February 1, 2025 is Sunday. SSI recipients should check the payment calendar Social Security benefits for 2025 to mark your payment dates for each month.
How much will you receive in SSI payments for January 2025?
The Social Security Administration announced the 2025 COLA based on the third-quarter 2024 and prior-year CPI to ensure that Social Security benefits payments keep pace with the rising cost of living.
According to an SSA announcement published in October 2024, recipients can expect a 2.5% increase in SSI payments beginning in January 2025. Although the 2.5% COLA increase is not much higher than previous years, recipients can expect an increase in their payments from the 2024 payments.
Based on the 2.5% increase in the 2025 COLA, SSI recipients can expect the following SSI payment for each month based on family situation:
- Individuals will receive an SSI monthly payment of up to $967 ($11,604.53 annually) in 2025;
- Married couples eligible for SSI will receive a monthly payment of $1,450 ($17,404.87 per year) in 2025;
- The primary caregiver of people receiving SSI who have not qualified for SSI for a long time can receive payments of up to $484 ($5,815.57 per year).
What makes you eligible for SSI payments in 2025?
Americans who meet the following eligibility requirements for SSI can apply for and receive monthly assistance from the SSA:
- To be eligible for SSI benefits, you must be a citizen of the United States and reside in one of the 50 states, the District of Columbia, or the Northern Mariana Islands.
- You are 65 or older, have a disability, or are blind.
- You have no income or resources that add to your financial difficulties.
- Your blindness or impairment limits your ability to work and can be fatal if it lasts more than a year.
- If you are employed, you cannot earn more than $1,971 for each month you earn from employment. When parents or couples apply for SSI for their children, the income threshold rises to $2,915.
- Your sources of income, such as funds in your bank account or property, are minimal or non-existent. SSI Resource Limit: Individual resources may not exceed $2,000 and couples may not exceed $3,000. However, the source of income limit may increase by $2,000 if parents file for SSI payments for their eligible child.
- If you are younger than 64, you can receive SSI payments when your disability limits your ability to work, or may be life-threatening or severely limit your ability to perform everyday tasks.
- If you are not a citizen, to qualify for an SSI benefit, you must fall into the qualifying alien category.
What changes do you need to report to continue receiving SSI payments?
SSI recipients must report any changes in their lives that could affect their SSI payments to the authorities to avoid overpayments and consequences. The body advised recipients to report changes regularly to continue receiving payment accurately.
Recipients wondering what changes they need to report to continue receiving their SSI payments can check the following changes:
- You must report any change in your living situation, such as admission to hospital, moving, etc.
- You must report a change in resources that could affect your SSI payments.
- You must report a change in marital status and work to the administration
- You report to the agency a change in your salary and income or income from other sources.
Recipients can report changes in their family circumstances, living situation, income, and more online at the official SSA website through the tools available for changing circumstances in SSI benefits.
What to do if you don’t receive your SSI payment on the payment day?
Generally, all eligible recipients receive Social Security payments on their scheduled date, however, if you happen to miss a payment, you should contact the SSA immediately and inquire about the payment. But before that, you should follow the instructions below to make sure everything is correct on your end and that you are clear about your SSI payments:
- You need to check your bank statement and make sure the payment has been made to your account as sometimes it takes time for the payment to show up. You should also verify that the bank information you provided on your Social Security SSI application is active and valid.
- You should check whether you are still eligible for SSI benefits after reporting the changes,
Once you are sure of everything, you should contact the SSA to inquire about late or missing SSI payments through the SSA Helpline at 1 800 772 1213 or you can visit a nearby Social Security office and ask about a payment.
The January 2025 SSI payment will be paid on December 31, 2024, recipients should mark the date and plan their finances accordingly to avoid any financial stress.
