Extra $967 Per Month this month in 2025: Planning for retirement often involves understanding the benefits you are entitled to receive. In 2025, retirees aged 65 and older in the United States may qualify for an additional monthly benefit of up to $967 through the Supplemental Security Income (SSI) program. This increase aims to help retirees meet their financial needs in a time of rising living costs. With the right information and guidance, you can make the most of these benefits. Let’s break down how this works, who qualifies, and what steps you can take to claim your benefits, along with tips and examples to make the process easier.

Extra $967 Per Month this month in 2025
Key Points | Details |
---|---|
Maximum Benefit | Up to $967 per month for individuals |
Eligibility Age | 65 years and older |
Income Limits | Less than $1,971/month (individuals); $2,915/month (couples) |
Resource Limits | $2,000 (individuals); $3,000 (couples) |
Application | Via Social Security Administration (online, phone, or in person) |
Reference | Official SSA Website |
For retirees aged 65 and older, the extra $967 per month in 2025 through the SSI program can make a significant difference in their financial stability. By understanding the eligibility criteria and following the application process, you can ensure you receive the benefits you deserve. Additionally, state supplements and healthcare benefits can further enhance your quality of life.
What is Supplemental Security Income (SSI)?
Supplemental Security Income is a federal program administered by the Social Security Administration (SSA). It is designed to provide financial assistance to individuals who are aged 65 or older, blind, or disabled with limited income and resources. SSI benefits are funded through general tax revenue rather than Social Security taxes, ensuring a safety net for the most vulnerable individuals.
SSI not only offers financial relief but also access to Medicaid in most states, providing critical healthcare support to eligible individuals. This dual benefit makes SSI an essential lifeline for many retirees and those with disabilities.
Why the Extra Payment in 2025?
In 2025, retirees may see this increase due to a 2.5% Cost-of-Living Adjustment (COLA) applied to SSI payments. COLA adjustments help SSI beneficiaries keep pace with inflation, ensuring they maintain their purchasing power despite rising costs. Rising rent, medical expenses, and daily essentials make this adjustment a vital measure for financial security.
Historically, COLA adjustments have varied depending on economic conditions. While the 2025 adjustment is moderate compared to some previous years, it reflects a continued commitment to supporting those in need during inflationary times.
Eligibility Criteria for the Extra $967
To qualify for SSI benefits and the increased payments, you must meet specific requirements. Below, we’ll break them down step by step:
1. Age or Disability Requirements
- Age: You must be at least 65 years old.
- Disability: If you are under 65, you must have a medically verified disability that prevents you from working. Disabilities can range from chronic illnesses to severe physical impairments. Documentation from a qualified healthcare provider is essential.
2. Income Limits
Your income must fall below the set thresholds for SSI eligibility. This includes earned and unearned income.
- Individual Income Limit: Less than $1,971 per month.
- Couple Income Limit: Less than $2,915 per month.
Income is categorized into two types:
- Earned Income: Wages from employment or self-employment.
- Unearned Income: Social Security benefits, pensions, or other assistance.
Some income exclusions apply, such as the first $65 of earned income and half of earnings above $65. Understanding these nuances can maximize your eligibility.
3. Resource Limits
Your assets must not exceed these limits:
- Individuals: $2,000
- Couples: $3,000
Resources include savings accounts, stocks, and property (excluding your primary residence). Items like personal belongings and one vehicle used for transportation are typically excluded. Keeping assets below these limits is crucial for maintaining eligibility.
4. Citizenship or Residency
You must be a U.S. citizen, national, or a qualifying noncitizen who resides in one of the 50 states or the District of Columbia. Certain noncitizens, such as those with permanent residency, may also qualify under specific conditions.
How to Apply for Extra $967 Per Month this month in 2025
If you believe you qualify, follow this detailed guide to apply for benefits:
Step 1: Gather Necessary Documents
Before applying, collect all required documents, including:
- Proof of age (e.g., birth certificate).
- Proof of U.S. citizenship or legal residency.
- Financial records (e.g., bank statements, tax returns).
- Medical records (if applying based on a disability).
Having these documents ready ensures a smooth application process and reduces the chances of delays.
Step 2: Contact the Social Security Administration (SSA)
You can apply:
- Online: Visit SSA’s website.
- By Phone: Call the SSA at 1-800-772-1213.
- In Person: Schedule an appointment at your local Social Security office.
SSA representatives can guide you through the process, answer questions, and help address any concerns you may have.
Step 3: Complete the Application
Provide accurate information on your income, resources, and living situation. Double-check all entries to avoid processing delays. Be thorough and honest, as discrepancies may lead to denial or delays in benefits.
Step 4: Await Determination
The SSA will review your application and notify you of their decision. This process typically takes 1-3 months. If approved, you’ll receive a letter detailing your benefit amount and payment schedule.
Step 5: Appeal if Denied
If your application is denied, you have the right to appeal. Appeals must be filed within 60 days of receiving the denial notice. Consult an attorney or advocate familiar with SSI cases to strengthen your appeal.
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Examples of How SSI Benefits Can Help
- John, Age 67: John receives $1,800 in monthly retirement benefits but struggles to cover his rent and groceries. After applying for SSI, he qualifies for an additional $167 per month, bringing his total income to a manageable level. This extra income enables him to focus on essential health expenses without financial stress.
- Mary and Frank, Both 65: As a retired couple with limited savings, Mary and Frank’s combined monthly income is $2,500. They qualify for $415 in SSI benefits, helping them cover unexpected medical bills and maintain a comfortable standard of living.
- Sophia, Age 70: Sophia’s Social Security benefit is $900 per month, leaving her unable to afford necessary medications. With SSI, her income increases by $250, ensuring she has access to critical prescriptions and other necessities.
Frequently Asked Questions (FAQs)
1. How is the $967 amount calculated?
The $967 represents the maximum monthly benefit for eligible individuals. The exact amount you receive depends on your income and resources. The SSA uses a formula that subtracts countable income from the federal benefit rate to determine payments.
2. Can I still work and receive SSI?
Yes, but your earnings must fall below the income limits set by the SSA. The first $65 of earned income and half of any amount over $65 are not counted when determining eligibility. This work incentive allows recipients to supplement their SSI without losing benefits.
3. Will the payment amount vary by state?
Yes, some states offer additional SSI supplements, which can increase your total monthly benefit. For instance, California and New York have generous state supplements that can significantly enhance payments.
4. What happens if I exceed the resource limit?
If your resources exceed the limits, you will not qualify for SSI benefits. Consider consulting a financial advisor to restructure assets in a way that maintains eligibility while securing your financial future.
5. How often are payments adjusted for inflation?
SSI payments are adjusted annually based on the COLA determined by the Consumer Price Index. These adjustments ensure beneficiaries maintain purchasing power as living costs rise.
6. Can SSI help with healthcare?
Yes, in most states, SSI recipients automatically qualify for Medicaid, which provides comprehensive healthcare coverage. This includes doctor visits, prescriptions, and other essential services.