An extra monthly check of up to $1,450 can be a game-changer for thousands of Americans—especially retirees and those with limited income. While many people are familiar with Social Security retirement or disability benefits, fewer are aware of Supplemental Security Income (SSI), a vital program that provides additional financial support to those who qualify. Here’s what you need to know about this extra benefit, who’s eligible, and how it works.
What Is Supplemental Security Income (SSI)?
Supplemental Security Income (SSI) is a federal program administered by the Social Security Administration (SSA) that offers monthly payments to individuals with limited income and resources. It’s designed to assist aged, blind, or disabled individuals who are struggling financially.
These payments are separate from traditional Social Security retirement or disability checks. While some people may receive both, others may qualify for SSI alone depending on their circumstances.
Who Can Get the Extra $1,450 Check?
Not everyone qualifies for SSI. The program has strict eligibility requirements to ensure it reaches those most in need. Here’s a breakdown of who can receive these payments:
Eligibility Criteria:
| Requirement | Description |
|---|---|
| Age or Disability | Must be age 65 or older, or be blind or disabled |
| Income Level | Must have limited income (from work, pensions, Social Security, etc.) |
| Resources | Must have limited assets (less than $2,000 for individuals, $3,000 for couples) |
| Citizenship | Must be a U.S. citizen or qualifying noncitizen |
| Residency | Must live in the U.S. or certain U.S. territories |
Many people don’t even realize they qualify. In fact, some retirees mistakenly assume they are ineligible due to receiving Social Security already. But eligibility for SSI is based on income and financial need, not just whether you’re already receiving other benefits.
How Much Can You Get?
The maximum SSI benefit depends on your living situation and whether you’re applying as an individual or with a spouse.
2025 Maximum SSI Payments:
| Filing Status | Monthly Maximum |
|---|---|
| Individual | $967 |
| Eligible Couple | $1,450 |
| Essential Person* | $488 |
*An «essential person» is someone who lives with and provides care for an SSI recipient.
Keep in mind, if you have other sources of income, your SSI check may be reduced. The SSA uses a formula to calculate how much income you can have before it affects your benefit.
When Are SSI Checks Sent?
The SSA sends SSI payments on the 1st of every month. If the 1st falls on a weekend or federal holiday, the payment is issued on the last business day before the 1st.
This consistent schedule helps recipients better plan their monthly budgets.
Why Many Miss Out on SSI Benefits
Despite being available to millions, SSI often goes unclaimed. Some individuals:
- Don’t know the program exists
- Think they won’t qualify due to receiving other benefits
- Underestimate how low their income or assets really are
It’s worth checking your eligibility through the Social Security Administration’s SSI screening tool or by speaking with a representative. You may be leaving money on the table.
How to Apply for SSI
You can apply for SSI in several ways:
- Online: Visit ssa.gov
- By Phone: Call 1-800-772-1213 (TTY 1-800-325-0778)
- In Person: Visit your local Social Security office
The process involves submitting documents about your income, assets, living situation, and medical condition (if applying due to disability).
For Americans living on tight budgets, an extra $967 to $1,450 per month can provide much-needed breathing room. Whether it’s used for rent, groceries, prescriptions, or other bills, SSI benefits help millions maintain a basic standard of living. If you or someone you know might qualify, it’s worth investigating—especially since many eligible citizens never apply.
FAQs:
1. Is SSI the same as Social Security?
No, SSI is a needs-based program, while Social Security is based on work history and contributions through payroll taxes.
2. Can you get SSI and Social Security at the same time?
Yes, you can receive both if your Social Security income is low enough to qualify for SSI.
3. What counts as income for SSI?
Income includes wages, Social Security benefits, pensions, and gifts. The SSA excludes certain amounts from total income when calculating eligibility.