As the year comes to a close, Supplemental Security Income (SSI) beneficiaries are set to receive an additional payment, thanks to a minor shift in the usual monthly disbursement calendar. Normally, SSI benefits are issued on the first day of each month.
However, when this date coincides with a weekend or public holiday, the Social Security Administration (SSA) adjusts the schedule to ensure timely delivery. This year, because January 1st falls on a holiday, SSI recipients will receive their payments early, ensuring uninterrupted access to their funds.
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Extra SSI Payment Includes Cost-of-Living Adjustment (COLA)
This additional payment isn’t just a bonus—it includes a Cost-of-Living Adjustment (COLA), providing increased benefits to over 7 million SSI recipients. Currently, the average SSI benefit amount stands at $698, but with the COLA adjustment, recipients will now receive $715. Similarly, payments for other categories, such as individuals, couples, and essential persons (EP), will also reflect the 2.5% COLA increase.
These adjustments are vital, particularly for low-income individuals and disabled persons who depend heavily on SSI to combat poverty and cover basic living expenses. The COLA increase, announced on October 10th, ensures beneficiaries’ payments keep up with inflation, enabling them to maintain their purchasing power.
Updated Payment Details for SSI Beneficiaries
Below is a table showcasing the updated SSI benefits after the COLA increase:
| SSI Benefits | Current Amount | Updated Amount | Increase with COLA |
|---|---|---|---|
| On Average | $698 | $715 | $17 |
| Individuals | $943 | $967 | $24 |
| Couples | $1,415 | $1,450 | $35 |
| Essential Person (EP) | $472 | $484 | $12 |
Beneficiaries will receive their first payment reflecting these increases on December 31st, 2024, and the regular schedule will resume with the next payment on January 31st, 2025.
2025 SSI Payment Schedule
The following table outlines the confirmed SSI payment dates for 2025, including instances of advanced payments:
| Month | SSI Payment Date | Advanced Payment Date |
|---|---|---|
| January | December 31st, 2024 | January 31st, 2025 |
| February | – | February 28th, 2025 |
| March | – | – |
| April | April 1st, 2025 | – |
| May | May 1st, 2025 | May 30th, 2025 |
| June | – | – |
| July | July 1st, 2025 | – |
| August | August 1st, 2025 | August 29th, 2025 |
| September | – | – |
| October | October 1st, 2025 | October 31st, 2025 |
| November | – | – |
| December | December 1st, 2025 | December 31st, 2025 |
This schedule helps beneficiaries anticipate their payments and plan their finances more effectively.
How to Apply for Supplemental Security Income
The Supplemental Security Income program is designed to provide financial assistance to seniors and individuals with disabilities who have limited income and resources. To apply:
- Eligibility Check: Applications are available online only for individuals with disabilities. Applicants must ensure they qualify if applying for a disabled child under 18 or a senior citizen over 65.
- Application Methods: Applications can be submitted by calling 1-800-772-1213 (TTY: 1-800-325-0778) or visiting a local Social Security office. Assistance is available Monday through Friday, between 7 a.m. and 7 p.m.
Processing times for applications typically range from three to five months, but applications under Compassionate Allowances (CAL) for severe disabilities are expedited. There is no separate form or process for CAL applications.
What to Do If Your SSI Application Is Denied
Unfortunately, a significant number of SSI applications are rejected. If your application is denied and you believe the decision is unfair, it’s essential to seek representation. Contact the National Organization of Social Security Claimants’ Representatives at 1-800-431-2804 for assistance or a referral.
FAQs
Why is there an extra SSI payment this year?
The extra payment is due to the first of January falling on a holiday. To ensure recipients receive their benefits on time, the SSA has scheduled an early payment on December 31st, 2024.
How much will the new COLA increase add to my SSI benefits?
The 2.5% COLA increase will add an average of $17 to SSI benefits, with specific increases depending on the category, such as individuals or couples.
Can I apply for SSI benefits online?
Yes, but online applications are available only for individuals with disabilities. Applications for seniors or children must be completed through a Social Security office or by phone.
