In 2025 married couples in the US who qualify for Supplemental Security Income (SSI) could receive up to $17,404 a year. This amount includes a 2.5% increase to help families deal with the rising costs of things like healthcare, food and housing. If you’re wondering how to qualify for this benefit, when payments are made or how to apply, here’s what you need to know.
What is SSI?
The SSI program provides financial help to people who have limited income or resources. It is mainly for those who are elderly, blind or disabled. Unlike Social Security, SSI is funded by general taxes meaning you don’t need a work history to qualify. For 2025 eligible married couples can receive a maximum of $1,450 per month or $17,404 annually to help with everyday expenses.
Quick Facts About SSI in 2025
| Feature | Details |
| Maximum Annual Benefit | $17,404 ($1,450/month) |
| COLA Increase | 2.5% |
| Eligibility Requirements | Income, resources, age, or disability |
| Payment Schedule | Monthly (usually on the 1st) |
| How to Apply | Online, by phone, or in person |
Who is Eligible for SSI?
To qualify for SSI as a married couple you need to meet these conditions
Income & Resources
Your combined income must be low. You can earn from wages, pensions or other support, but there are limits. Your savings and assets (like stocks or savings accounts) must also stay under $3,000. Some things like your house and one car aren’t counted.
Age or Disability
At least one spouse must be 65 or older or both can qualify if one has a disability or is blind based on Social Security’s medical rules.
Citizenship & Residency
You must be a US citizen or meet certain conditions if you’re a legal permanent resident.
When Will Payments Be Made?
SSI payments are usually made on the 1st of each month. If the 1st falls on a weekend or holiday the payment will be made on the last business day before that.
- Payment Methods:
- Direct Deposit: This is the easiest and safest way to get your benefits.
- Direct Express Debit Card: If you don’t have a bank account you can get a debit card to access your money.
For more details on payment schedules and important updates, check out our article on SSI and Social Security Payments February 2025.
How to Apply for SSI?
Gather documents: Make sure you have Social Security numbers for both spouses, proof of income, bank details for direct deposit and any medical records if you’re applying based on disability.
Choose application process: You can apply online, by calling 1-800-772-1213 and visiting your local SSA office.
Submit your application: Fill out the application carefully and attach all the required documents.
Wait for approval: The SSA will mail you their decision which may take a few weeks.
Frequently Asked Questions
Can non-citizens get SSI?
Yes, certain non citizens can qualify if they meet specific rules.
What resources are not counted for SSI?
Things like your home, one car and personal items are not included in the $3,000 resource limit.
How are SSI payments made?
Payments are made via direct deposit or a Direct Express debit card.
Are SSI benefits taxable?
No, SSI benefits are not taxable.
Can SSI be combined with other benefits?
Yes, you can receive SSI alongside benefits like Medicaid and SNAP.