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The maximum Federal Supplemental Security Income (SSI) payments are adjusted annually to keep pace with the cost of living so what are the adjustments for 2025 and how much can you get monthly?
These adjustments align with the Cost-of-Living Adjustment (COLA) that applies to Social Security benefits.
For 2025, SSI payments will see a 2.5% increase, which takes effect in January.
Each year, SSI payment amounts are recalculated by increasing the previous year's unrounded annual totals by the COLA percentage. The resulting figures are then divided by 12, with each monthly payment rounded down to the nearest whole dollar.
The updated maximum monthly SSI benefits for 2025 are $967 for an eligible individual, $1,450 for an eligible couple and $484 for an essential person
However, the actual amount an individual receives may be lower, depending on various personal factors such as income, household composition, and financial from other sources.
Factors That May Reduce Your SSI Payment
SSI payments are reduced based on income from different sources through four different groups. Different incomes can have a serious knock-on effect to how much SSI you can claim.
Earned income, which means for every $2 earned from a job, self-employment, or other work-related activities, the SSI payment is reduced by approximately $1.
Unearned income is payments from non-work sources such as disability benefits, unemployment compensation, or pensions reduce SSI payments by about $1 for every $1 received.
Household income is if an SSI recipient lives with a spouse, their earnings can impact the total benefit amount.
Children on SSI is exclusively when children receive SSI and live with their parents, both their income and parental income may influence their benefits.
Living situations can also affect the SSI payment amount. If a recipient lives in someone else's home without contributing a fair share toward food and shelter costs, their benefit can be reduced by as much as $342.33 per month.