Millions of Social Security Disability Insurance (SSDI) beneficiaries are set to receive a boost in their monthly checks, with the average payment rising to $1,580. This increase comes as part of the 2025 Cost-of-Living Adjustment (COLA), aimed at helping recipients keep up with inflation and rising costs.
The Social Security Administration (SSA) has confirmed that payments will start going out soon, and eligible beneficiaries will see the changes in their next deposit. But how do you know if you qualify, and what steps should you take to ensure you receive this payment?
Who Qualifies for the $1,580 SSDI Payment?
To be eligible for SSDI, you must meet two main requirements:
- You must have a qualifying disability that prevents you from working and is expected to last at least 12 months or result in death.
- You must have enough work credits, which are earned through past employment. Typically, you need 40 work credits, with at least 20 earned in the last 10 years. However, younger workers may qualify with fewer credits.
In addition, the Substantial Gainful Activity (SGA) limit for 2025 is $1,620 per month for non-blind individuals and $2,700 per month for blind individuals. This means if you are earning above these amounts, you may not qualify for SSDI benefits.
How to Apply for SSDI Benefits
If you think you qualify and have not yet applied for SSDI, there are a few ways to start the process:
- Online: You can apply through the SSA’s official website.
- By Phone: Call the SSA’s toll-free number and speak with a representative.
- In Person: Visit your local SSA office for a face-to-face application process.
When applying, you’ll need to provide medical records, work history, and identification documents to prove your eligibility.
What Else You Should Know About SSDI Payments
Your actual monthly SSDI payment depends on your earnings history. While the average payment is $1,580, the maximum benefit for those with high lifetime earnings is $4,018 per month in 2025.
Payment dates depend on your birth date. SSDI payments are sent out on Wednesdays:
- If your birthday falls between the 1st and 10th, you get paid on the second Wednesday of the month.
- If your birthday is between the 11th and 20th, expect your payment on the third Wednesday.
- If your birthday is between the 21st and 31st, your check will arrive on the fourth Wednesday.
Want to work while on SSDI?
The SSA allows beneficiaries to test their ability to work through a Trial Work Period (TWP). In 2025, any month you earn over $1,160 will count toward your trial period, but you can still receive SSDI during this time.
With these changes coming soon, it’s important to stay informed about your SSDI benefits. If you’re unsure about your eligibility, check with the SSA’s website or consult a benefits expert to ensure you receive the payments you’re entitled to.
