SSDI Payments Just Approved? Here’s How to Unlock Bigger Checks!

If you’ve recently received approval for Social Security Disability Insurance (SSDI), congratulations! Getting through the process is a major relief for many people. But now that your payments are set, you may wonder: Can they go up in the future? The answer is yes! SSDI payments can increase over time for several reasons, and understanding how this works can help you plan your finances.

Let’s break it down in a simple way.

Cost-of-Living Adjustments (COLAs): The Main Reason for Increases

Every year, SSDI benefits are adjusted to account for inflation. This adjustment called the Cost-of-Living Adjustment (COLA), ensures that your payments keep up with the rising costs of everyday expenses. For example, in 2024, beneficiaries saw their payments increase by 3.2% thanks to COLA. This is automatically applied, so you don’t have to do anything—look for a notice from the Social Security Administration (SSA) every fall.

What About Work or Extra Income?

If you’re working while receiving SSDI, the rules can get a little tricky. The SSA allows you to earn some money through programs like the Trial Work Period (TWP). However, if your income exceeds a certain monthly limit—$1,470 in 2024 ($2,460 if you’re blind)—it could affect your benefits. Keep this in mind if you’re planning to work while on SSDI.

Family Benefits Can Also Boost Payments

Did you know your family could also receive benefits through your SSDI approval? If you have dependents like a spouse or child, they might qualify for auxiliary benefits. Changes in your family, such as gaining a new dependent, could mean more money coming into your household.

Double-Check Your Payment Amounts

While the SSA works hard to calculate benefits correctly, mistakes can happen. You can request a review if you believe your initial payment amount is wrong. While it’s rare, fixing errors could lead to higher payments.

How to Stay on Top of Changes

It’s important to stay informed about your SSDI benefits. Create a “My Social Security” account online to track your payments, check for adjustments, and review notices. You can also contact the SSA directly at 1-800-772-1213 for personalized assistance.

In short, yes, your SSDI payments can increase, primarily due to annual COLA adjustments, changes in family status, or specific income situations. Keeping an eye on these factors ensures you get the most out of your benefits.