If you’re receiving Social Security Disability Insurance (SSDI), you may have noticed a change in your benefits for January 2025. Thanks to a 2.5% Cost-of-Living Adjustment (COLA), SSDI recipients are seeing an increase in their monthly payments this year. Here’s what you need to know about these updates and whether you qualify for the new payment amounts of $431 or $508.
Why the Increase?
Every year, the Social Security Administration (SSA) adjusts benefits to keep up with inflation through what’s known as the COLA. This year’s 2.5% increase is meant to help beneficiaries cover rising living costs. On average, SSDI payments have gone up by $38, bringing the typical monthly benefit to $1,580.
Who Qualifies for SSDI?
To qualify for SSDI, you must meet two key requirements:
- You have a medical condition that prevents you from working and is listed under the SSA’s definition of a disability.
- You have earned enough work credits through your employment history.
For 2025, you’ll earn one work credit for every $1,810 in income, and you can earn up to four credits a year.
Can You Earn Income While Receiving SSDI?
It’s possible to earn some income while receiving SSDI, but there’s a limit. This year, the Substantial Gainful Activity (SGA) threshold is $1,620 per month for most individuals and $2,700 for those who are blind. If your earnings exceed these amounts, your benefits could be reduced or stopped altogether.
What About SSI Payments?
If you receive Supplemental Security Income (SSI) in addition to SSDI, you’ll also benefit from the COLA. The maximum monthly SSI payment in 2025 is now $967 for individuals and $1,450 for couples.
What This Means for You
These changes are great news for millions of Americans who rely on SSDI or SSI to make ends meet. However, it’s essential to check your updated benefit statement to ensure you’re receiving the correct amount. If you’re unsure whether you qualify for SSDI or want to know how these changes impact you, contact the Social Security Administration directly or speak with a benefits specialist.
This increase might not seem like much, but every dollar counts when it comes to managing daily expenses. Make sure to stay informed and take advantage of the updated benefits this year!
