Millions of Americans who depend on Social Security Disability Insurance (SSDI) can expect bigger checks this month, with the average monthly benefit increasing to $1,580. Thanks to the Social Security Administration’s (SSA) 2.5% Cost-of-Living Adjustment (COLA) for 2025, beneficiaries will see a slight boost to help cover rising expenses.
This adjustment comes as part of the SSA’s annual effort to ensure payments keep pace with inflation, although this year’s increase is smaller than the 2024 COLA of 3.2%.
Who Will Get Payments and When?
Here’s a breakdown of the payment schedule for February:
- February 3: Payments will be sent to those who applied for benefits before May 1997 or receive both SSDI and Supplemental Security Income (SSI).
- February 12: If your birthday falls between the 1st and 10th of any month, you’ll receive your payment on the second Wednesday of February.
- February 19: Beneficiaries with birthdays between the 11th and 20th will receive their payments on the third Wednesday.
- February 26: For those born between the 21st and 31st, payments will arrive on the fourth Wednesday of February.
How Much Will You Get?
While the average payment is now $1,580, your exact amount may vary. The SSA calculates your benefit based on lifetime earnings and the specifics of your disability claim. To see your payment details, log into your “My Social Security” account on the SSA’s website.
Why Is the COLA Smaller This Year?
The 2.5% increase reflects cooling inflation compared to previous years. However, the adjustment still provides much-needed support to beneficiaries, many of whom rely on SSDI payments as their primary source of income.
Protect Yourself From Scams
Be on the lookout for scammers pretending to be SSA officials. The SSA will never contact you by phone or email asking for personal information. If you have concerns about your payments or receive suspicious communication, contact the SSA directly through their official channels.
Stay Informed and Updated
To ensure you receive accurate updates and personalized payment details, the SSA encourages all beneficiaries to sign up for or update their “My Social Security” account. This free online service allows you to track payment dates, verify amounts, and access important information.
