The Social Security Disability Insurance (SSDI) and the Supplemental Security Income (SSI) are amongst the principal federal programs in the US, which help the citizens that cannot work because of old age or disability With the year 2025 coming into sight, certain sources are announcing that SSDI and SSI recipients will soon get an extra $638 Check amount each month we will investigate the truth of this rumor and tell you what SSI and SSDI are, what is eligibility for them, how much amount you can get, and on what dates in 2025 you can expect to receive payments.
What is the truth of the $638 additional monthly payment?
First of all, let us make it clear that the Social Security Administration (SSA) has not officially announced any additional monthly payment of $638 for 2025. This figure comes from a rumor spreading on the Internet, which has no government basis Although SSI and SSDI benefits will increase slightly in 2025 through COLA (Cost-of-Living Adjustment), as is the case with every year, the $638 amount has not yet been set.
SSDI and SSI Payment Structure in 2025
| Key Information | Details |
|---|---|
| 2025 SSDI Payment Amount | Maximum of $4,018 per month, depending on work history. |
| 2025 SSI Payment Amount | Up to $967 per month for individuals. |
| Eligibility for SSDI | Based on work history and the severity of your disability. |
| Eligibility for SSI | Based on income, living situation, and age/disability. |
| Extra $638 Monthly Benefit | No official announcement from SSA for 2025 extra payment. |
| Social Security Administration Link | SSA Official Website |
What is the disparity between SSDI and SSI?
SSDI (Social Security Disability Insurance)
- SSDI is reserved to those people who have worked and paid Social Security taxes on their earnings previously.
- They get this benefit when they are unable to work because of a severe illness or disability.
- The payment varies according the total earnings of an individual and the tax payments.
SSI (Supplemental Security Income)
- SSI applies to individuals that are aged 65 or more, or disabled/blind, with minimal income and resources.
- It does not require a work history.
- It provides minimum financial security to low-income individuals.
How much money can you get in 2025?
SSDI payments:
- Maximum $4,018 per month (based on work history)
- Expect to receive an average of $1,200 per month
SSI payments:
- About $967 per month for individuals
- May be higher for couples
- Some states may have additional state assistance that can increase the total amount
Eligibility criteria for SSDI and SSI
SSI eligibility:
- You must have worked and paid Social Security taxes
- Your disability must be severe according to the SSA definition
- Your income and situation must fit the SSA standards
SSDI eligibility:
- Age 65 or older, or disabled/blind
- Limited income (less than about $1,400/month for singles)
- Limited assets (less than $2,000 for singles, $3,000 for couples)
When are the 2025 payment dates?
Social Security payments are usually made based on your birth date:
- If you were born between the ages of 1–10: Second Wednesday of each month
- Born between 11–20: Third Wednesday of each month
- Born between 21–31: Fourth Wednesday of each month
- SSI beneficiaries are usually paid on the first of each month.
Effect of COLA increase
- The benefits are indexed for inflation every year by a Cost-of-Living Adjustment (COLA) so that beneficiaries’ purchasing power is maintained.
- The COLA amount for the year 2025 will be declared towards the end of the year 2024.
- This increase may be modest, but it ensures that your payment amount adjusts for inflation.
What to do if your application is denied?
SSA may deny your SSDI or SSI application, but you can appeal it:
- Reconsideration: SSA reviews your application again
- Hearing: You can present your case to an SSA judge
- Appeals Council: If the hearing is negative, go to SSA’s Appeals Council
- Federal Court: As a last resort, you can go to court
Options for Additional Assistance
If you receive SSDI or SSI, you may also be eligible for these additional assistance plans:
- Medicaid: SSI recipients get it automatically
- SNAP (food stamps): Food assistance
- Housing assistance: Some plans available for low-income individuals
Currently Proposed Laws and Reforms
- Suggestions to increase SSI payments to above the poverty line
- Additional relief payments for the disabled in an emergency
- These bills are currently being discussed in Congress.
- So keep checking the SSA website for updates.
Conclusion:
The rumor that SSDI and SSI beneficiaries will receive an additional $638 monthly payment in 2025 is just a misconception. The SSA has not confirmed anything like this. However, COLA and other government policies may increase the regular payment.
FAQs
Q1. Will SSDI and SSI beneficiaries really receive an extra $638 per month in 2025?
A. No, the Social Security Administration (SSA) has not officially announced any $638 extra monthly payment for 2025. This claim is based on misinformation and is not confirmed by any official source.
Q2. What is the difference between SSDI and SSI?
A. SSDI (Social Security Disability Insurance) is based on a person’s work history and payroll tax contributions, while SSI (Supplemental Security Income) is a need-based program for low-income individuals who are elderly, blind, or disabled, regardless of work history.
Q3. What is COLA and how does it affect SSDI and SSI benefits?
A. COLA stands for Cost-of-Living Adjustment. It’s an annual increase in Social Security benefits to match inflation. A COLA increase for 2025 is expected but has not yet been finalized.
Q4. Am I eligible for both SSDI and SSI at the same time?
A. Yes, some individuals with limited income and resources may qualify for concurrent benefits, meaning they receive both SSDI and SSI if they meet the eligibility criteria for both programs.
Q5. How do I apply for SSDI or SSI benefits?
A. You can apply online at ssa.gov, by phone, or in person at your local Social Security office. Be prepared to provide medical records, proof of income, and identification documents.
