Social Security and Supplemental Security Income (SSI) are two major programs that provide monthly payments to those who qualify.
In 2025, these benefits can help with basic living costs, especially if you’re retired, disabled, or have limited income.
Here’s how eligibility works and what you could receive, including extra payments in some states.
Social Security Monthly Benefits in 2025
If you’ve worked and paid into Social Security taxes, you may qualify for one or more types of benefits.
1. Retirement Benefits
Eligibility starts at age 62, with full benefits between ages 66 and 67 depending on your birth year.
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Average benefit: about $1,907/month
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Max benefit at full retirement age: up to $3,822/month
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Max benefit at age 70: up to $4,873/month
2. Disability Benefits (SSDI)
To qualify, you must have a medical condition that limits work for at least a year and enough work credits.
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Average SSDI payment: around $1,537/month
3. Survivor Benefits
If a worker passes away, their family may receive payments.
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Surviving spouse: up to 100% of the worker’s benefit
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Minor child: up to 75%
4. Family Benefits
Spouses or children of retirees or disabled workers can receive:
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Spouse: up to 50% of the worker’s benefit
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Eligible child: up to 50%
- 2025 SSI Benefits Update: How Much Can You Receive Each Month?
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- SSDI June 2025 Payment Dates: When Your Check Will Arrive Based on Birth Date
Supplemental Security Income (SSI) in 2025
SSI is for people who are disabled, blind, or over 65 and have low income and limited assets.
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Base federal payment (individual): $943/month
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Base federal payment (couple): $1,415/month
Some states add a State Supplement to the monthly amount. Here’s what you might receive on top of the federal payment:
Estimated 2025 State SSI Supplements (for individuals):
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California: up to $219
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New York: up to $87
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New Jersey: up to $31.25
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Pennsylvania: up to $27.40
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Massachusetts: up to $183.70
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Michigan: up to $14
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Vermont: up to $62.94
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Alaska: up to $362
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Oregon: up to $39
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Wisconsin: up to $83.78
Note: State supplement amounts may vary based on your living situation and income.
Not sure what financial aid is available to you? Get the details here!
Who Is Eligible for SSI?
You may qualify if you:
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Are age 65 or older, blind, or disabled
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Have income and resources below set limits
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Are a U.S. citizen or qualified noncitizen
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Live in the U.S. or Northern Mariana Islands
Resource limits are $2,000 for individuals or $3,000 for couples, not counting your home or one car.
How to Apply
You can apply for Social Security and SSI:
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Online at ssa.gov/apply
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At your local Social Security office
Final Thought
If you meet the qualifications, these monthly payments can offer steady support throughout retirement, during a disability, or in difficult times.
Make sure to check if your state offers additional assistance and apply early to avoid delays.
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