For low-income married couples in the U.S., Supplemental Security Income (SSI) can be a crucial source of monthly financial support. In 2025, the maximum annual SSI benefit for eligible couples has risen to $17,404, thanks to a 2.5% Cost-of-Living Adjustment (COLA).
If you and your spouse rely on SSI or are thinking of applying, here’s a simple breakdown of what you need to know.
Overview
SSI is a federal program created to help seniors and people with disabilities who have limited income and resources. It’s not based on work history, and it’s funded by general tax revenue, not Social Security payroll taxes.
That means even if you’ve never worked or paid into Social Security, you can still qualify for SSI.
Here’s a quick glance at the 2025 benefit details for married couples:
| Aspect | Details |
|---|---|
| Annual Benefit | Up to $17,404 for couples ($1,450/month) |
| COLA Adjustment | 2.5% increase effective January 2025 |
| Payment Schedule | Monthly, usually on the 1st of each month |
| Application Methods | Online, by phone, or in person at SSA office |
Eligibility
To get SSI as a couple, you need to meet three main criteria: income and resources, age or disability status, and citizenship or legal residency.
Income and Resources
- Combined income must be within limits, including earnings, pensions, or financial support.
- Resource limit is $3,000 for couples. This includes things like cash, stocks, and savings—but excludes a primary home and one vehicle.
Age or Disability
At least one spouse must:
- Be 65 years or older, or
- Be blind or disabled as defined by the SSA
Residency or Citizenship
You or your spouse must be:
- A U.S. citizen, or
- A qualified non-citizen (such as a lawful permanent resident under DHS rules)
Payment
In 2025, the maximum monthly SSI benefit for couples is $1,450, up from around $1,414 in 2024. This COLA increase helps keep benefits in line with rising costs for food, housing, and essentials.
When You’ll Be Paid
SSI is usually paid on the first of each month. But if the 1st falls on a weekend or holiday, you’ll get your payment on the last business day before.
For example:
- If April 1 falls on a Saturday, the payment will be made on Friday, March 31.
How You’ll Be Paid
- Direct deposit is the fastest, most secure method.
- Direct Express card is another option for those without bank accounts.
Applying
Getting started is easy if you’re prepared. Here’s what you need:
Documents
- Social Security numbers for both spouses
- Proof of income (pay stubs, tax returns, pension info)
- Bank account details for direct deposit
- Citizenship or immigration documents
- Medical records if applying based on disability
Application Options
- Online – Visit the official SSA website
- By phone – Call 1-800-772-1213
- In person – Visit your local SSA office (appointments recommended)
What to Expect
Once you submit everything:
- SSA will review your application
- Processing takes a few weeks, depending on your case
- You’ll receive a decision letter by mail
Final Thoughts
With the 2025 COLA boost and expanded annual benefit for couples, SSI continues to be a lifeline for those struggling with limited means. Whether you’re newly retired, facing health challenges, or simply on a tight budget, knowing how to qualify and apply for SSI can put hundreds of extra dollars in your pocket each month.
So don’t leave money on the table—get informed, gather your documents, and apply if you’re eligible.
FAQs
How much can married couples get from SSI in 2025?
Up to $17,404 annually, or $1,450 monthly.
What is the 2025 COLA increase for SSI?
A 2.5% boost to adjust for inflation.
What’s the SSI income/resource limit for couples?
Combined resources must be under $3,000.
When are SSI payments made each month?
Usually on the 1st, or the previous business day if on a weekend.
How can we apply for SSI as a couple?
Online, by phone, or in person at an SSA office.
