As July 1, 2025 approaches, millions of Americans are preparing for their next Supplemental Security Income (SSI) payment. This payment resumes following the early disbursement in May, which skipped June due to the Social Security Administration’s calendar.
However, many recipients are at risk of interrupted payments—especially those still relying on paper checks.
With over 7.5 million people receiving SSI benefits across the U.S., staying informed about eligibility, payment dates, and upcoming changes is essential to avoid disruptions
Why SSI Payments Resume on July 1, 2025
SSI payments are issued on the first business day of each month. Since June 1 fell on a weekend, and May had an early payment, the next official payment will be made on Monday, July 1, 2025.
Those who receive SSI only will get their full monthly benefit on this date.
Who Receives SSI and How Much?
SSI is a needs-based federal assistance program designed for individuals with limited income and resources. It supports seniors aged 65 and older, individuals with qualifying disabilities, and eligible children.
SSI Eligibility Requirements:
- Age: 65 or older, or any age with a qualifying disability
- Income Limit: Generally less than $2,019/month from employment
- Resource Limit: $2,000 for individuals; $3,000 for couples
- Citizenship or Legal Residency: Must live permanently in the U.S.
- Other Income: Can reduce or eliminate benefits
SSI Payment Amounts in 2025:
| Recipient Type | Max Monthly Benefit |
|---|---|
| Individual (no other income) | $967 |
| Eligible Couple | $1,450 |
Some states, like California, offer state supplements that raise the total payment above federal limits.
The Critical Change: End of Paper Checks by September 30
A major policy change is coming that affects hundreds of thousands of SSI, SSDI, and Social Security recipients:
All paper check payments will end after September 30, 2025.
Currently, around 494,000 people still receive their federal benefits by check. Without action, their payments could be delayed or stopped.
Why the Change?
- The government aims to save $657 million/year
- To reduce lost or stolen checks—around 500,000 annually
How to Switch to Direct Deposit
To avoid disruptions, recipients must set up electronic payments. There are two options:
- Direct Deposit to a Bank Account
- Create or log into your my Social Security account
- Enter your bank name, account number, and routing number
- Direct Express® Card
- Government-issued debit card
- No fees, no bank account required
- Apply via SSA by phone or in-person
What About Combined Benefit Recipients?
Those receiving both SSI and SSDI or retirement benefits will not get their full payments on July 1. Instead, they will receive staggered deposits based on their birth dates:
| Birth Date Range | Deposit Date (July 2025) |
|---|---|
| 1st–10th | July 9 |
| 11th–20th | July 16 |
| 21st–31st | July 23 |
SSI benefits are set to arrive on July 1, 2025, bringing vital financial support to millions. But with the federal phase-out of paper checks by September 30, many recipients are at risk of interrupted or delayed payments.
To avoid issues, it’s crucial to switch to direct deposit or enroll in the Direct Express card as soon as possible. Staying updated and proactive is the best way to ensure your benefits arrive on time.
FAQs
Why didn’t I receive an SSI payment in June 2025?
Because May’s payment was issued early due to calendar scheduling, there was no separate payment in June. The next regular payment is July 1.
What happens if I don’t switch from paper checks by September 30, 2025?
Your payments may be delayed or stopped. All federal benefits must be sent electronically starting October 2025.
Can I still get SSI if I live outside the U.S. temporarily?
Extended absences from the U.S. may impact eligibility. Permanent U.S. residence is required for ongoing SSI benefits.