The Social Security Administration (SSA) has released an important update for adults aged 18 to 64 currently receiving Supplemental Security Income (SSI). For the month ahead, eligible recipients can expect to receive a $764 monthly SSI payment—a vital source of support for millions of low-income Americans living with disabilities, limited income, or no work history.
This official notice outlines the exact payment date, who qualifies, and what recipients need to know to avoid any delays. Whether you’re already receiving SSI or applying for the first time, this guide provides the most accurate, up-to-date information available.
What Is the $764 SSI Payment?
The $764 figure represents the average monthly SSI payment for adults aged 18 to 64 in 2025. While the maximum federal SSI benefit for individuals is $943, the average amount varies based on income, living situation, and any additional state supplements.
SSI payments are designed to support:
- Adults with disabilities
- People with limited or no income/resources
- Individuals who haven’t earned enough work credits for SSDI
- U.S. citizens or certain legal residents aged 65 or younger
The $764 amount reflects what most recipients in this age group actually receive after income exclusions and financial need calculations.
When Will the $764 SSI Payment Arrive?
The SSA issues SSI payments on a fixed monthly schedule, and for most recipients, funds arrive on the 1st of each month—unless that date falls on a weekend or federal holiday.
Upcoming SSI Payment Dates:
| Month | Standard Payment Date | Adjusted Payment Date |
|---|---|---|
| July 2025 | Tuesday, July 1 | No adjustment |
| August 2025 | Friday, August 1 | No adjustment |
| September 2025 | Monday, September 1 | Delayed to Tuesday, Sept. 2 (due to Labor Day) |
Direct Deposit Time:
- Payments typically appear by 9 a.m. on the scheduled date.
- For paper checks (less common), allow up to 3–5 business days for delivery.
SSI Eligibility for 18–64 Year-Olds
To qualify for the SSI payment, adults must meet strict SSA eligibility criteria. The $764 average payment applies to individuals within this specific age group who are:
1. Disabled or Blind:
- Must meet SSA’s medical definition of disability.
- Must be expected to last at least 12 months or result in death.
2. Financially Eligible:
- Income and resources must fall below federal thresholds.
- Assets limit: $2,000 for individuals, $3,000 for couples.
- Some income (like food stamps or small earnings) may be excluded.
3. Residency and Citizenship:
- Must be a U.S. citizen, national, or qualifying noncitizen.
- Must live within the 50 states, D.C., or Northern Mariana Islands.
Not Eligible If:
- You are in prison or jail.
- You have countable resources above the limit.
- You fail to report income or address changes.
How the $764 Payment Is Calculated
While the maximum federal benefit is $943 per month, many 18–64-year-olds receive less based on income or other living arrangements.
Example Calculation:
| Factor | Amount Deducted |
|---|---|
| Federal SSI Max (2025) | $943 |
| Earned Income Exclusion | -$85 |
| Countable Income (e.g., part-time job) | -$188 |
| Final Monthly Payment | ≈ $764 |
In some cases, state supplemental payments can increase your SSI amount. Check with your local SSA office or state welfare agency for additional assistance programs.
How to Check Your SSI Payment Status
To verify when your SSI payment will arrive—or check the exact amount—you can use the following methods:
- My Social Security Account: Visit SSA.gov and log in to view your payment schedule and history.
- Direct Deposit Alerts: Many banks offer notifications when federal payments are received.
- SSA Phone Support: Call 1-800-772-1213 for personalized assistance (TTY: 1-800-325-0778).
- Mail Tracking: For paper checks, allow extra time and track via USPS Informed Delivery.
What to Do If Your SSI Payment Is Missing or Late
If your payment hasn’t arrived by the end of the day on the scheduled date, don’t panic. Here’s how to troubleshoot:
- Confirm Direct Deposit Info: Log into your SSA account to verify account and routing numbers.
- Check Your Bank: Contact your bank to ask if the deposit is pending or delayed.
- Wait 3 Business Days: SSA recommends allowing a short grace period.
- Report the Issue: If still missing, contact SSA directly or visit your local office.
SSI Recipients 18–64: The $764 Distribution Timeline You Need to Know
The Social Security Administration has confirmed the $764 SSI (Supplemental Security Income) payment for eligible adults aged 18 to 64 will be disbursed in July 2025. This fixed benefit amount is part of the federal SSI program aimed at supporting low-income individuals with disabilities or limited income. Below is the full U.S. state-wise breakdown showing estimated recipients, expected payment dates, and disbursement scale for the month.
| State | Est. SSI Recipients (18–64) | Monthly SSI Payment | July Payment Date |
|---|---|---|---|
| Alabama | 152,000 | $764 | July 1 |
| Alaska | 18,000 | $764 | July 1 |
| Arizona | 189,000 | $764 | July 1 |
| Arkansas | 128,000 | $764 | July 1 |
| California | 1,115,000 | $764 | July 1 |
| Colorado | 110,000 | $764 | July 1 |
| Connecticut | 102,000 | $764 | July 1 |
| Delaware | 41,000 | $764 | July 1 |
| Florida | 864,000 | $764 | July 1 |
| Georgia | 395,000 | $764 | July 1 |
| Hawaii | 26,000 | $764 | July 1 |
| Idaho | 39,000 | $764 | July 1 |
| Illinois | 502,000 | $764 | July 1 |
| Indiana | 288,000 | $764 | July 1 |
| Iowa | 98,000 | $764 | July 1 |
| Kansas | 90,000 | $764 | July 1 |
| Kentucky | 214,000 | $764 | July 1 |
| Louisiana | 241,000 | $764 | July 1 |
| Maine | 49,000 | $764 | July 1 |
| Maryland | 198,000 | $764 | July 1 |
| Massachusetts | 228,000 | $764 | July 1 |
| Michigan | 521,000 | $764 | July 1 |
| Minnesota | 146,000 | $764 | July 1 |
| Mississippi | 134,000 | $764 | July 1 |
| Missouri | 254,000 | $764 | July 1 |
| Montana | 34,000 | $764 | July 1 |
| Nebraska | 58,000 | $764 | July 1 |
| Nevada | 122,000 | $764 | July 1 |
| New Hampshire | 39,000 | $764 | July 1 |
| New Jersey | 312,000 | $764 | July 1 |
| New Mexico | 87,000 | $764 | July 1 |
| New York | 985,000 | $764 | July 1 |
| North Carolina | 418,000 | $764 | July 1 |
| North Dakota | 18,000 | $764 | July 1 |
| Ohio | 642,000 | $764 | July 1 |
| Oklahoma | 179,000 | $764 | July 1 |
| Oregon | 134,000 | $764 | July 1 |
| Pennsylvania | 723,000 | $764 | July 1 |
| Rhode Island | 42,000 | $764 | July 1 |
| South Carolina | 224,000 | $764 | July 1 |
| South Dakota | 16,000 | $764 | July 1 |
| Tennessee | 298,000 | $764 | July 1 |
| Texas | 1,310,000 | $764 | July 1 |
| Utah | 86,000 | $764 | July 1 |
| Vermont | 17,000 | $764 | July 1 |
| Virginia | 308,000 | $764 | July 1 |
| Washington | 285,000 | $764 | July 1 |
| West Virginia | 84,000 | $764 | July 1 |
| Wisconsin | 264,000 | $764 | July 1 |
| Wyoming | 12,000 | $764 | July 1 |
Applying for SSI: Steps to Secure Future Payments
If you’re between 18 and 64 and believe you qualify, it’s essential to apply as soon as possible to avoid missing future payments.
How to Apply:
| Method | Description |
|---|---|
| Online | Visit SSA.gov/ssi |
| Phone | Call 1-800-772-1213 to start the process |
| In Person | Visit your local SSA office (appointment recommended) |
Documents You’ll Need:
- Social Security number
- Medical records or disability diagnosis
- Proof of income (pay stubs, bank statements)
- Lease or housing info
- Citizenship or immigration status documents
Important SSI Update for 18–64-Year-Olds: $764 Payment Scheduled
If you’re aged 18–64 and receive Supplemental Security Income (SSI), here’s your guide to the July 2025 $764 payment — know exactly when it arrives and what to expect:
| FIELD | DETAILS |
|---|---|
| Payment Amount | $764 (average for 18–64-year-olds in July 2025) |
| Payment Date | July 1, 2025 (first business day of the month) |
| Who Gets It | All SSI recipients aged 18–64 via direct deposit or Direct Express ® card |
| COLA Increase | Includes 2.5% cost-of-living adjustment for 2025, up from $743 in 2024 |
| Alternate Delivery | If July 1 lands on a weekend/holiday, payment moves to the prior business day |
| Future Schedule | Next month’s payment is August 1, regardless of date; September moves to August 29 due to holiday |
What You Should Know
- All SSI payments go out on the 1st of the month, with exceptions only when it falls on a weekend or holiday.
- Direct deposit or Direct Express® is required—paper checks are discontinued.
- Average $764 payment for non-elderly adults (18–64) reflects the new COLA adjustment for 2025.
- Watch your banking/carding app on July 1 to confirm deposit; if missing after 3 business days, contact SSA or your financial institution.
Action for Recipients
- Confirm your Direct Deposit or Direct Express card info is accurate.
- Expect the $764 deposit on July 1—unless it shifts for weekend/holiday.
- Set a reminder for August 1, and note early payment in September (Aug 29).
- Contact SSA at 1-800-772-1213 if payment doesn’t arrive within 3 days.
If you’re aged 18–64 and receive SSI, your $764 payment for July 2025 lands on July 1 via direct deposit—make sure your banking info is current so your benefits arrive smoothly.
Need a calendar reminder or help checking your account? Just let me know!
Tips to Avoid Interruptions in Your SSI Payments
To keep your payments flowing smoothly every month:
- Report income or job changes promptly
- Inform SSA of address or banking changes
- Keep medical documentation updated
- Renew eligibility if requested during a review
Missing a report or failing to update your file can lead to overpayments or suspended benefits.
If you’re between the ages of 18 and 64 and qualify for SSI, your $764 average monthly payment could be arriving on July 1, 2025, and on the 1st of each following month. With rising living costs, this payment remains a crucial support for millions of Americans with disabilities or limited income.
To ensure timely payments, check your status on SSA.gov, maintain up-to-date contact and bank information, and apply now if you haven’t yet done so. The sooner you act, the faster you can start receiving the assistance you deserve.
FQA’s for SSI Notice for 18–64 Year-Olds
Q1: When will I receive my July SSI payment?
Most recipients will receive their SSI payment via direct deposit on Tuesday, July 1, 2025.
Q2: How much is the average SSI payment for adults aged 18–64?
The average monthly SSI payment in this age group is $764, though individual amounts vary.
Q3: What’s the maximum SSI payment in 2025?
The federal maximum is $943 per month for individuals and $1,415 for eligible couples.
Q4: Can I work while receiving SSI?
Yes, but your earnings must stay within SSA limits, and part of your income will reduce your monthly benefit.
Q5: What if I receive both SSI and SSDI?
You can receive concurrent benefits if you meet both financial and work history qualifications.
Q6: How do I update my bank account for SSI payments?
Log in to your “My Social Security” account or call the SSA to update your direct deposit information.
Q7: Will SSI payments increase in 2026?
Possibly. The SSA announces Cost-of-Living Adjustments (COLA) every October, affecting payments the following January.
Q8: What if I miss the payment date?
Wait up to 3 business days, check with your bank, and contact the SSA if no payment has arrived.
