2025 SSDI Payment Schedule: Families with Disability Benefits to Get $2,826 Starting January
According to Vibes.okdiario In 2024, SSDI payments can reach up to $3,822 for individuals, but this is a rare scenario. Achieving the maximum payment amount requires having earned the taxable maximum (contribution and benefit base) for 35 years, which is difficult for most recipients. The Social Security Administration (SSA) adjusts payment amounts each year to reflect inflation, with the Cost-of-Living Adjustment (COLA) being the method used for these increases.
According to the latest COLA Fact Sheet, the estimated average monthly SSDI benefit for a worker with a disability, their spouse, and one or more children will be $2,826 in January 2025. However, only those who have earned sufficient qualifying income can receive this amount. The actual SSDI payments may be higher or lower depending on individual circumstances.
When Will the First SSDI Payment Be Issued?
The first SSDI payment of 2025, including the COLA increase, will be issued on January 3, 2024, for recipients who meet one of two criteria:
- Those who started receiving SSDI benefits before May 1997.
- Those who are eligible for both SSDI and SSI (Supplemental Security Income).
If you meet these criteria, January 3 will be your payment date. For others, there will be additional paydays for the month, all of which will reflect the 2025 COLA increase.
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SSDI Payment Dates in January 2024
In addition to January 3, there will be three more SSDI payment dates in January, which will include the 2.5% COLA boost:
- January 8, 2024 – For individuals whose birthdays fall between the 1st and 10th of the month.
- January 15, 2024 – For individuals whose birthdays fall between the 11th and 20th.
- January 22, 2024 – For individuals whose birthdays fall between the 21st and 31st.
How Much Will the SSDI Payment Be?
Currently, the average SSDI payment is approximately $1,542. With the 2.5% COLA increase, this will amount to about $38 more per month. While this boost may seem modest, it is an important adjustment for those relying on SSDI payments to make ends meet.
It’s important to note that retirees will see a larger COLA increase, with an estimated boost of about $50. However, for SSDI recipients, this smaller adjustment is still significant for those with limited income.
