Married Couples to Receive $17,404 Annually in 2025 – Check Eligibility Criteria and Payment Dates

Published on: April 13, 2025

For many low-income married couples in the U.S., 2025 brings some financial relief. Thanks to a 2.5% Cost-of-Living Adjustment (COLA), eligible couples can now receive up to $17,404 annually through the Supplemental Security Income (SSI) program. That’s about $1,450 a month—money that can go a long way toward covering basic needs like rent, food, and medical care.

So, what does this mean for you? Whether you’re already receiving SSI or thinking about applying, knowing the eligibility, payment process, and application steps is key to getting the most out of your benefits.

Overview

The SSI program isn’t new, but this increase definitely is. Created back in 1972, the SSI program was designed to help Americans who are aged, blind, or disabled and who have limited income and resources. Unlike Social Security, SSI is funded by general tax revenue, not payroll taxes.

With inflation driving up prices across the board—from groceries to gas—it’s no surprise that the government increased the payout. A 2.5% COLA helps SSI keep pace with rising costs. For married couples, this means a boost to $1,450 monthly, or $17,404 for the year.

Let’s break it down a little further.

Criteria

Not every couple can walk in and get the full amount. There are a few important qualifications you need to meet first.

Income and Resources

To be eligible:

Your combined income must be low. This includes wages, pensions, and any help from friends or family.
Your total countable resources can’t go over $3,000. This includes cash, savings, stocks, and bonds.
Some things don’t count—like the home you live in or one vehicle.

Age or Disability

To qualify, at least one spouse must:

Be 65 years or older, or
Be legally blind or disabled according to the SSA’s medical standards. These are outlined in their “Blue Book” and require proper documentation.

Citizenship or Residency

Applicants must be:

U.S. citizens, or
Certain non-citizens (like lawful permanent residents or refugees under specific terms) may qualify.

Payments

Knowing how much you’ll receive and when is essential for budgeting.

Monthly Benefit Breakdown

Living Situation	Estimated Monthly Payment
Living independently	$1,450
Receiving in-kind help	Slightly reduced
In care facilities	Significantly reduced

Payment Schedule

Payments usually hit bank accounts or cards on the 1st of each month. If that day falls on a weekend or holiday, expect your payment the business day before.

Payment Methods

You’ve got two main options:

Direct deposit – Fast, safe, and convenient.
Direct Express debit card – Perfect for those without a bank account.

Process

Ready to apply? Here’s how to get started, step-by-step.

Step 1

Before you apply, have these ready:

Social Security numbers for both spouses
Proof of income (pay stubs, tax forms)
Banking details for direct deposit
Proof of citizenship or legal status
Medical records if applying due to disability

Step 2

You can apply:

Online at the SSA’s website
By phone at 1-800-772-1213
In person at a local SSA office (schedule an appointment)

Step 3

Be thorough and double-check your entries. Mistakes can slow things down.

Step 4

Send any required documents to the SSA. Originals might be needed, but they’ll send them back.

Step 5

Approval usually takes several weeks. You’ll get a letter by mail with their decision.

The SSI increase for 2025 is more than just a number—it’s a commitment to help struggling households make ends meet. With inflation still taking a toll, every dollar counts. Make sure you know the rules, prepare your paperwork, and get the support you deserve. Whether it’s your first time applying or you’re updating your info, a little preparation goes a long way.