The $745 Supplemental Security Income (SSI) payment for working-age adults in November 2025 is part of a federal assistance program aimed at supporting low-income individuals who have limited financial resources. This benefit provides monthly financial aid to help cover essential living expenses like housing, food, and medical costs.
If you’re wondering who qualifies, how to apply, and when the payment will be disbursed, this guide provides all the essential details.
What is the $745 SSI Payment?
The $745 SSI payment is a financial assistance program administered by the Social Security Administration (SSA). It is designed to support working-age adults (between 18 and 64 years old) who have limited income and resources due to disability, blindness, or other qualifying conditions.
Unlike Social Security Disability Insurance (SSDI), which is based on work history, SSI is a need-based program. This means eligibility is determined by income and asset limits rather than previous work contributions.
In November 2025, eligible individuals will receive $745 per month, but this amount may vary based on state supplements, income deductions, and living arrangements.

Who is Eligible for the $745 SSI Payment?
To qualify for the $745 SSI payment in November 2025, you must meet the following requirements:
1. Age Requirement
- Must be between 18 and 64 years old (working-age adults).
2. Income Limits
- Earned Income: Wages or money earned from work must be below a specific threshold.
- Unearned Income: Includes Social Security benefits, pensions, or gifts, which must also be below the SSI limit.
3. Resource Limits
- You must have limited financial resources:
- Individual limit: $2,000
- Couple limit: $3,000
- Resources include cash, bank accounts, stocks, bonds, and property (except for a primary home and vehicle).
4. Disability or Blindness Requirement
- Must have a qualifying disability that prevents substantial work activity.
- The disability must be verified by a medical professional and last at least 12 months.
5. Citizenship and Residency
- Must be a U.S. citizen, legal permanent resident, or certain eligible non-citizen.
- Must reside in one of the 50 states, D.C., or U.S. territories.
How to Apply for the $745 SSI Payment?
If you meet the eligibility criteria, follow these steps to apply for SSI benefits:
1. Gather Required Documents
Before applying, collect the necessary documents, including:
✔️ Proof of Identity: Birth certificate, Social Security number, or passport
✔️ Income Proof: Pay stubs, tax returns, or bank statements
✔️ Medical Records: Reports from doctors, hospitals, or specialists
✔️ Resource Information: Property deeds, vehicle registration, or financial statements
2. Apply Online or In Person
You can apply for SSI benefits in the following ways:
- Online: Visit the official Social Security Administration (SSA) website.
- Phone: Call the SSA at 1-800-772-1213 to schedule an appointment.
- In-Person: Visit your local Social Security office.
3. Attend an Interview (If Required)
- The SSA may schedule a phone or in-person interview to verify your eligibility.
4. Wait for Approval & Payment
- Processing times vary, but it may take 3 to 6 months for approval.
- If approved, you will begin receiving the $745 monthly payment starting in November 2025.

When Will the $745 SSI Payment Be Sent in November 2025?
The SSI payment schedule follows a set pattern, with benefits usually paid on the first day of the month.
For November 2025, payments will be disbursed as follows:
- Direct Deposit: November 1, 2025
- Paper Check: Mailed a few days before the due date
- Direct Express Debit Card: Funds will be loaded on or before November 1
If the first of the month falls on a weekend or holiday, payments may be sent on the last business day of the previous month.
How Can the $745 SSI Payment Help Beneficiaries?
The $745 monthly SSI benefit is meant to help individuals cover essential costs, such as:
✔️ Rent and housing expenses
✔️ Groceries and food supplies
✔️ Medical bills and prescriptions
✔️ Utility bills (electricity, water, gas)
✔️ Transportation and personal expenses
For many recipients, SSI benefits are a primary source of income, ensuring basic financial stability.
Conclusion
The $745 SSI payment in November 2025 provides crucial financial assistance to eligible working-age adults with limited income and resources. Understanding the eligibility criteria, application process, and payment schedule is essential for ensuring timely approval and disbursement of benefits.
If you believe you qualify, submit your application through the Social Security Administration (SSA) and ensure all required documents are provided. This financial aid serves as a lifeline for many low-income individuals, helping them manage daily living expenses and medical costs.
FAQs
1. Who qualifies for the $745 SSI payment in November 2025?
Individuals aged 18-64 years with limited income and resources, a qualifying disability or blindness, and U.S. residency may be eligible.
2. How can I check the status of my SSI application?
You can check your application status online via the SSA website, by calling 1-800-772-1213, or by visiting your local Social Security office.
3. What happens if my SSI application is denied?
If your application is denied, you can appeal the decision within 60 days by requesting a reconsideration or hearing.
4. Will my SSI payment be reduced if I earn income?
Yes, if you earn wages from work, your SSI benefit may be reduced. However, some income exclusions apply, allowing you to keep part of your earnings while receiving SSI.
5. Can I receive SSI if I live with family or friends?
Yes, but your living arrangement may affect your payment amount. If someone provides free housing or food, your benefit may be adjusted accordingly.