This is the useful payment you could claim when you turn 65 if you have a low income in the USA in 2025

US, if you have a low income and have reached the age of 65, you can apply for a special payment benefit. This benefit is not Social Security retirement or SSDI; it is the federal SSI (Supplemental Security Income) program, which is intended for low-income Americans with limited resources.

Eligibility for SSI Payments

To qualify for SSI, you must be 65 years old if you do not have a disability or blindness. A great feature of this federal payment is that it can be received alongside Social Security benefits.

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How much can I receive from SSI at age 65?

The maximum SSI payment is $967, regardless of your age. However, the actual amount you receive will depend on your income, resources, and other income sources.

If you are receiving Social Security benefits but your payment is low, you may not qualify for the full SSI amount. As of December 2024, the average SSI payment for individuals aged 65 is $575.

If both you and your spouse qualify for SSI, you could receive a combined maximum of $1,450. However, the maximum payment for an “essential person” is $484.

How to apply for SSI payments?

If you wish to apply for SSI payments at age 65, the first step is to check your eligibility. You can do this by visiting this link.

After this, go to this link and select the option “An adult (age 18 and over). Then tick the “Supplemental Security Income for Age 65+” box. This option is for people who are 65 years or older and who need financial help for essentials such as food, clothing and home.

If you also need to apply for other benefits, tick the corresponding box. Then click on “Learn how to apply”. You will need the following documents and information during the application process:

Your Social Security Number
Your birthplace and date of birth
Income-related documents
Bank statements
Information about household and family members
Marriage records and bank account information

If you’d like, you can also set up an appointment by calling +1 800 772 1213. For those who are deaf or hard of hearing, please reach out to the TTY number at +1 800-325-0778.

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Final Thoughts

This federal SSI program serves as a vital support for individuals experiencing financial challenges at the age of 65. It helps ensure that low-income seniors can cover their essential daily needs. Therefore, if you qualify, don’t hesitate to apply for this benefit.

FAQs

Q1. What is the SSI program for low-income seniors?

SSI (Supplemental Security Income) is a federal program that provides financial support to low-income individuals aged 65+ or with disabilities.

Q2. How much can I receive through SSI at age 65?

The maximum monthly payment is $967, but the amount depends on your income and resources.

Q3. Can I receive SSI and Social Security benefits together?

Yes, SSI payments are compatible with Social Security, but the total payment depends on your financial situation.

Q4. How do I apply for SSI payments?

You can apply online at the SSA website or call +1 800-772-1213 to schedule an appointment.

Q5. What documents are needed for the SSI application?

You’ll need your Social Security Number, income records, bank statements, family details, and marriage information.