In 2025, millions of Americans relying on Social Security Disability Insurance (SSDI) will see their benefits shaped by a key factor: the number of Social Security credits they’ve earned. These credits not only determine eligibility but also influence how much money recipients can expect in monthly payments. With changes to credit requirements and cost-of-living adjustments in place, here’s what you need to know to ensure you’re on track.
What Are Social Security Credits and How Do You Earn Them?
Social Security credits are the building blocks that establish your work history and eligibility for benefits. In 2025, you earn one credit for every $1,810 in income from jobs covered by Social Security. To earn the maximum four credits per year, you must make at least $7,240 in annual earnings.
While earning more than the required number of credits won’t increase your benefits directly, your lifetime average earnings will be the key factor in determining your monthly payment. Simply put, earning credits ensures you qualify, while your earnings record dictates how much you get.
How Many Credits Do You Need to Qualify for SSDI?
The number of credits you need to qualify depends on your age when the disability begins:
- Under 24 Years Old: You need at least six credits earned over the three years before the disability started.
- Ages 24 to 31: The requirement is half the credits of the years you’ve worked since age 21. For example, if you become disabled at 27, you’d need 12 credits earned over the previous six years.
- Age 31 and Older: Typically, you need 20 credits earned in the 10 years immediately before the disability begins.
These requirements ensure that individuals have an adequate and recent work history before qualifying for SSDI.
2025 Cost-of-Living Adjustment (COLA): What It Means for SSDI Recipients
This year, SSDI beneficiaries are seeing a 2.5% boost in monthly payments thanks to the annual cost-of-living adjustment (COLA). The increase is designed to keep up with inflation, providing extra financial relief to recipients.
The average SSDI payment has risen from $1,542 in 2024 to $1,580 in 2025, with many beneficiaries seeing an additional $40 per month on average. While this isn’t a huge jump, it’s an important factor as living costs continue to rise.
How to Make Sure You’re on Track for SSDI Benefits
- Check Your Work History: Regularly review your Social Security earnings record through your mySocialSecurity account to ensure your credits are accurately recorded.
- Understand the Requirements: If you’re nearing the credit threshold, make sure you meet the required work history before filing a claim.
- Plan for the COLA Impact: While the 2025 COLA may provide modest relief, understanding your expected payment can help you plan your budget effectively.
By staying informed about how Social Security credits work and how COLA adjustments affect benefits, you can maximize the support SSDI offers.
