If you’re counting on your Social Security or Supplemental Security Income (SSI) payments this May, here’s what you need to know. The combined $987.70 and $28.30 amounts represent two critical federal benefit programs that support millions of Americans every month. These payments are vital for financial stability, especially for retirees, people with disabilities, and those with limited income.
Let’s break down what these amounts mean, who qualifies, when you’ll get paid, and how to manage your benefits smoothly in May 2025.
Overview
In May 2025, the Social Security Administration is issuing payments that average $987.70 for many beneficiaries and $28.30 as an SSI supplemental amount. These aren’t bonus payments but part of regular monthly disbursements.
| Category | Amount |
|---|---|
| Social Security | $987.70 |
| SSI Supplemental | $28.30 |
These values can vary by state, income, and your work history.
Social Security
Social Security retirement and disability benefits are based on your work history and earnings. In 2025, the national average monthly benefit is about $1,827. However, the $987.70 figure applies to individuals with a lower earnings history or those receiving partial benefits.
To qualify for Social Security:
- You must be at least 62 years old (for retirement benefits).
- You must have earned 40 work credits (roughly 10 years of work).
- You may also qualify under disability or survivor provisions.
The benefit amount depends on your 35 highest-earning years and when you decide to start collecting.
SSI
Supplemental Security Income is designed for low-income individuals who are elderly, blind, or disabled. It’s not based on work history but on financial need. The base federal amount for SSI in 2025 is $914, and the $28.30 seen in May could represent a supplemental amount or a partial benefit based on income.
To qualify:
- You must be 65 or older, blind, or disabled.
- Your resources must not exceed $2,000 ($3,000 for couples).
- Your income must fall within SSA guidelines.
SSI is funded by general tax revenues, not Social Security taxes, and is meant to help those in the greatest need.
Dates
The Social Security Administration has scheduled the following payment dates for May 2025:
| Group | Payment Date |
|---|---|
| Pre-1997 retirees and dual beneficiaries | May 3, 2025 |
| Birthdays 1st–10th | May 11, 2025 |
| Birthdays 11th–20th | May 18, 2025 |
| Birthdays 21st–31st | May 24, 2025 |
| SSI January payment (early release) | May 31, 2025 |
Note: Some payments arrive early due to weekends or holidays. May 31’s SSI payment is being issued ahead of the June schedule to account for the New Year’s holiday timing.
How
You can receive your benefits in one of three ways:
- Direct deposit to your bank account
- Direct Express Debit Mastercard
- Paper check (rare and only for special circumstances)
Most people use direct deposit for reliability and speed. If you want to change your payment method, log into your My Social Security account or contact your local SSA office.
Tips
Here are a few ways to ensure everything goes smoothly:
Keep your records current
Update your address, bank info, or phone number through your SSA account or local office.
Know the payment calendar
Check SSA’s payment schedule monthly so you’re prepared.
Watch for COLA updates
In 2025, the 3.2 percent COLA increase affected all Social Security and SSI recipients. Expect updates again in late 2025 for next year’s adjustments.
Report income changes (SSI)
If your income or assets increase, report it quickly to avoid overpayment issues.
Review your annual statement
Make sure your earnings are correctly reported each year. Errors can affect future benefits.
Help
Need extra help? Here are some useful resources:
- Use SSA’s Retirement Estimator to check what you might receive at different retirement ages.
- Contact your local SSA office for one-on-one support.
- For disability cases, Disability Determination Services will guide your application process.
- Financial literacy workshops and retirement planning classes are often available through community centers and libraries.
Knowing your Social Security and SSI benefits empowers you to plan better, spend smarter, and prepare for the future. Whether you’re receiving the average $987.70 benefit or qualifying for an additional $28.30 from SSI, make sure you’re informed and proactive with your finances.
FAQs
What is the $987.70 payment?
It’s a monthly Social Security benefit based on your work record.
Who gets the $28.30 SSI amount?
SSI recipients with state or additional need-based support.
When are May 2025 payments made?
May 3, 11, 18, 24, and 31 depending on eligibility and birth date.
How do I get my payment?
Through direct deposit or Direct Express Debit Mastercard.
How do I apply for SSI or Social Security?
Apply online at ssa.gov or visit your local SSA office.
