Millions of Social Security Disability Insurance (SSDI) recipients are set to receive their final Cost-of-Living Adjustment (COLA) payments for January 2025. This year, SSDI benefits have increased by 2.5%, helping beneficiaries keep up with inflation and rising living costs. If you receive SSDI, here’s what you need to know about payment dates and how the COLA boost will affect your monthly check.
January 2025 SSDI Payment Schedule
The Social Security Administration (SSA) issues SSDI payments based on beneficiaries’ birth dates. Here’s when you can expect your money:
- If your birthday falls between the 1st and 10th → Payment arrives Wednesday, January 8
- If your birthday falls between the 11th and 20th → Payment arrives Wednesday, January 15
- If your birthday falls between the 21st and 31st → Payment arrives Wednesday, January 22
Recipients who have been receiving SSDI benefits since before May 1997 will receive their payment on January 3, 2025.
If you have direct deposit, expect the funds to be available on the payment date. For those receiving checks by mail, delivery times may vary.
How Much More Will SSDI Recipients Get in 2025?
The 2.5% COLA increase means higher monthly payments for all SSDI beneficiaries. The exact amount varies based on individual benefits, but here are some estimates:
- The average SSDI payment will increase from $1,537 to around $1,575 per month.
- For couples receiving SSDI benefits, payments will increase from $2,597 to approximately $2,660 per month.
The COLA adjustment applies automatically, so recipients don’t need to take any action.
What to Do If Your SSDI Payment Is Delayed?
If you haven’t received your SSDI payment by the expected date, here’s what to do:
- Wait 3 Business Days: Sometimes, bank processing times can cause minor delays.
- Check Direct Deposit Details: Ensure your bank information is up to date.
- Monitor Your Mailbox: If receiving a paper check, allow extra time for delivery.
- Contact the SSA: If your payment is missing after three business days, call 1-800-772-1213 or visit your local SSA office.
Why the COLA Increase Matters
The annual COLA adjustment is designed to help SSDI beneficiaries keep up with inflation, covering essential expenses like food, housing, and healthcare. While a 2.5% increase is smaller than last year’s 3.2% boost, it still provides much-needed financial relief.
For official information about your SSDI payments, visit SSA.gov or log into your My Social Security account.
