These programs include Social Security retirement benefits, Supplemental Security Income, and Social Security Disability Insurance, which aim to financially support people.
Social Security Benefits
These benefits are meant to provide income for those who have paid into the program through work. The amount received depends on each individual’s earnings in their lifetime and the age at which they start claiming benefits.
Supplemental Security Income (SSI)
SSI is for individuals aged 65 or older, blind, or disabled with limited income and resources. In 2025, the maximum SSI benefit for an individual is $967 per month, up from $943 in 2024, which reflects a 2.5% Cost-of-Living Adjustment (COLA).
Social Security Disability Insurance (SSDI)
SSDI benefits provide assistance to persons unable to work because of a qualifying disability and who have sufficient work credits. The benefits amount is different based on the average lifetime earnings of the individual.
2025 COLA Adjustment and Payment Schedules
Beneficiaries will receive a monthly payment increase of 2.5% in maintaining aspects of inflation. This adjustment pertains to Social Security retirement, Supplemental Security Income, and Social Security Disability Insurance benefits.
Payment Schedules
- Payments are otherwise made based on the date when the beneficiary was born:
- When the birth date falls between the 1st and 10th of the month, payments are received on the second Wednesday of the month.
- When the birth date falls between the 11th and 20th, payments are received on the third Wednesday of the month.
- When the birth date is between the 21st and 31st, payments are received on the fourth Wednesday of the month.
- SSI payments are issued on the first day of each month. If the first day is a weekend day or holiday, the payments are issued on the last business day before the weekend or holiday.
Unraveling the $3,200 Payment Myth
The $3,200 direct deposit thing is really a misconception. While it is true that people can receive the maximum Social Security benefit of $3,200 per month, that refers to individuals who have delayed taking benefits until age 70 and have an excellent earnings record. This is not a regular payment amount across the board.
How to Stay Informed
- Whenever you want timely and accurate information about your benefits, do the following:
- Check the SSA Website crew for important updates.
- Open an account in “my Social Security” so you can manage your benefits and get personalized information.
- If you still have questions, reach out to the SSA at 1-800-772-1213.