Supplemental Security Income (SSI) recipients will see an increase in their benefits in 2025, thanks to the cost-of-living adjustment (COLA). While the 2.5% increase is smaller than many hoped, it still ensures extra money to help beneficiaries manage rising costs. Let’s break down how much more SSI recipients will receive and what it means over the course of a year.
Increase
In 2024, the maximum SSI benefit for individuals is $943 per month. With the 2.5% COLA adjustment, the new 2025 monthly payment will be $966. That’s an increase of $23 per month, or $276 over the full year.
For eligible married couples, the maximum benefit will rise from $1,415 to $1,450 per month. This provides couples with an additional $35 per month, amounting to $420 over 12 months.
Individuals classified as “essential persons” (those who support an SSI recipient without receiving SSI themselves) will also benefit from a slight increase. Their 2024 payment of $472 will increase to $483, adding $11 per month or $132 annually.
| Recipient Type | 2024 Monthly Payment | 2025 Monthly Payment | Monthly Increase | Annual Increase |
|---|---|---|---|---|
| Individual | $943 | $966 | $23 | $276 |
| Married Couple | $1,415 | $1,450 | $35 | $420 |
| Essential Person | $472 | $483 | $11 | $132 |
Comparison
Although the 2.5% boost is helpful, it falls short of covering the rising costs that many SSI recipients face. For comparison, retirees receiving Social Security benefits will enjoy an average increase of $50 per month in 2025. SSI beneficiaries receive less in both monthly and annual boosts, but every bit counts when managing tight budgets.
Savings
While the COLA increase may not seem like much, it could help SSI recipients build an emergency fund. For example, individuals will see an extra $276 over the year, which can cover small but essential expenses. Similarly, married couples could save the $420 increase to prepare for unexpected needs. Setting aside these modest gains might offer some financial security when emergencies arise.
Final Thoughts
The 2025 COLA increase offers some financial relief, even if it is smaller than expected. SSI beneficiaries can expect to see these changes reflected in their January payments. Although the increase is modest, it’s still a positive step towards helping individuals and couples manage inflationary pressures. Every dollar adds up, especially for those relying on fixed income.
FAQs
How much will individuals on SSI get after the 2025 COLA?
They will receive $966 per month, up from $943.
How much will couples on SSI gain from the 2025 COLA?
Couples will get $1,450 monthly, an increase of $35.
What’s the monthly boost for essential persons in 2025?
Essential persons will receive $483, up $11 from 2024.
How much more will SSI recipients get over the year?
Individuals will receive $276 extra annually, while couples will get $420.
How does the SSI increase compare to Social Security benefits?
Retirees will see a larger average increase of $50 per month in 2025.