Social Security and SSDI recipients are set to see a boost in their payments in 2025, thanks to a 2.5% Cost-of-Living Adjustment (COLA). This increase means that the maximum monthly SSDI payment could reach $3,250, though the average recipient will receive around $1,580 per month. But who qualifies for these payments, and when can beneficiaries expect their money?
Who Qualifies for SSDI in 2025?
To receive Social Security Disability Insurance (SSDI), you must meet certain requirements set by the Social Security Administration (SSA).
✔ Work Credits: You need to have worked long enough and paid into Social Security. Most applicants need at least 20 work credits earned over the past 10 years.
✔ Disability Status: The SSA defines disability as a condition that prevents substantial work activity and is expected to last at least one year or result in death.
✔ Income Limits: For 2025, the Substantial Gainful Activity (SGA) limit is $1,470 per month. If you earn more than this, you may not qualify for SSDI benefits.
How SSDI Payments Are Calculated
Your monthly SSDI check is based on your lifetime earnings before your disability began. The SSA uses a formula called the Primary Insurance Amount (PIA) to calculate benefits. The higher your earnings over the years, the larger your SSDI payment.
With the 2.5% COLA increase in 2025, beneficiaries will see their checks grow to help keep up with inflation.
When Will You Get Your Social Security & SSDI Payment?
The SSA distributes payments based on the beneficiary’s birthdate:
Born 1st–10th: Payment arrives on the second Wednesday of the month.
Born 11th–20th: Payment is sent on the third Wednesday of the month.
Born 21st–31st: You’ll receive your payment on the fourth Wednesday of the month.
For example, if your birthday falls between the 1st and 10th, you can expect your payment on February 12, March 12, and so on throughout the year.
What This Means for You
- If you qualify, you could receive up to $3,250 per month in SSDI benefits in 2025.
- Payments are determined by your work history and past earnings.
- You can track your payment status online through the SSA website or sign up for direct deposit to get your funds faster.
With the rising cost of living, this increase in Social Security and SSDI payments will provide much-needed relief for millions of Americans. Make sure to check your eligibility and mark your payment dates on your calendar!
