For millions of retirees across the United States, Social Security benefits provide a vital financial foundation. However, in most cases, these monthly checks are not enough to cover all essential expenses, especially as inflation continues to strain household budgets. While the maximum Social Security retirement benefit in 2025 can reach $5,180, only a small portion of Americans qualify for this full amount.
That’s why many retirees look for additional sources of income, and one of the most valuable options is the Supplemental Security Income (SSI) program. This federal benefit is designed to support older adults and individuals with disabilities who have limited income and resources. If eligible, recipients can receive an extra monthly payment of up to $967—a meaningful boost that can make retirement more sustainable.
Who Is Eligible for the Monthly SSI Payment?
To qualify for monthly SSI checks, applicants must meet strict personal and financial criteria established by the Social Security Administration (SSA). These requirements apply whether or not the individual is already receiving Social Security benefits.
Personal eligibility includes being age 65 or older or having a recognized disability. On the financial side, applicants must demonstrate low income and limited assets. Only individuals who meet both sets of conditions are approved to receive SSI. The benefit amount can be up to $967 for a single person, and up to $1,450 for a married couple applying together.
Importantly, every application is evaluated individually, meaning payments may vary based on personal financial circumstances.
So the conditions for obtaining the monthly SSI are:
| Condition Type | Requirements |
|---|---|
| Personal conditions | Being 65 years of age or older or having a disability. |
| Economic conditions | Having a low monthly income and low economic resources. |
When Are SSI Payments Sent?
The SSI payment schedule differs from the regular Social Security retirement payment timeline. Typically, the SSA sends SSI checks on the 1st day of each month. If that date falls on a weekend or federal holiday, the payment is issued on the last business day before the 1st.
In certain cases, some retirees may receive both their Social Security and SSI payments within the same week, particularly those in the first group of the monthly payment cycle.
While the payment date can shift slightly, the most important factor is ensuring all eligibility requirements are met and that an application is properly submitted. For those who qualify, SSI provides a consistent and much-needed financial supplement every month.
