Many Americans could soon receive a $697 monthly payment through the Supplemental Security Income (SSI) program, a federal initiative designed to assist low-income individuals, seniors, and people with disabilities. While the maximum SSI benefit for 2025 is $967, some recipients will receive a reduced amount based on income and other factors—with $697 being a common adjusted payment.
Who Qualifies for the $697 Payment?
The Social Security Administration (SSA) determines SSI benefit amounts based on an individual’s income, assets, and living situation. Here’s what you need to qualify:
- Age or Disability: You must be 65 or older, blind, or have a qualifying disability as determined by the SSA.
- Income Limits: Your earned and unearned income (such as wages, pensions, or Social Security payments) must be below the federal threshold.
- Resource Limits: To qualify, your total assets must not exceed $2,000 for individuals or $3,000 for couples (excluding essential items like your home and one vehicle).
- Citizenship Status: You must be a U.S. citizen or meet specific non-citizen requirements.
The exact amount you receive—whether it’s the full $967 payment or a reduced amount like $697—depends on how much countable income you have. The SSA deducts income from the maximum benefit, which is why some recipients receive partial payments instead of the full amount.
When Will Payments Be Sent?
The SSA sends SSI payments on the first of each month unless that date falls on a weekend or holiday. Here’s when you can expect your $697 payment:
- Direct Deposits – Payments will be automatically deposited into beneficiaries’ bank accounts.
- Paper Checks – Those without direct deposit will receive a mailed check, though it may take additional time to arrive.
If you qualify and haven’t received your payment, you can check your status by logging into ssa.gov or calling your local Social Security office.
How to Apply for SSI Payments
If you think you may be eligible for SSI benefits, you can apply through:
- Online: Visit ssa.gov and start your application.
- By Phone: Call 1-800-772-1213 to apply or ask questions.
- In Person: Visit your nearest Social Security office to apply with assistance.
Make sure to have proof of income, age, disability status, and residency when applying.
Final Thoughts
The $697 SSI payment provides essential financial support for those who qualify. If you think you’re eligible, check your status now and ensure your information is up to date to receive your benefits without delay.