2025 COLA Update: New SSDI Income Limits and Eligibility Thresholds
According to Vibes.okdiario, After the announcement of the 2025 Cost of Living Adjustment (COLA) for Social Security benefits, there is significant news for Social Security Disability Insurance (SSDI) recipients who are considering returning to work. Understanding the new thresholds for Substantial Gainful Activity (SGA) is crucial for those who want to maintain their benefits while exploring employment opportunities.
COLA Increase for SSDI Recipients
All SSDI recipients will receive a 2.5% increase in their benefits, which will take effect in January 2025. This increase means that the average monthly SSDI check will rise to approximately $1,580, up from $1,542. It’s essential for recipients to check their my Social Security account to determine their exact benefit amount, ensuring it does not exceed the SGA thresholds.
Updated SSDI Thresholds for 2025
Substantial Gainful Activity (SGA) Changes
- For Non-Blind Recipients: The new SGA threshold has increased by $70, bringing the amount to $1,620 per month in 2025, up from $1,550 in 2024.
- For Blind Recipients: The SGA threshold has been raised by $110, now standing at $2,700 per month, compared to $2,590 in 2024.
- Trial Work Period (TWP): The TWP threshold will also increase to $1,160 in 2025, up from $1,110 in 2024.
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Summary of Updated SGA and TWP Thresholds
| Category | 2024 Amount | 2025 Amount |
|---|---|---|
| Non-Blind SGA | $1,550 | $1,620 |
| Blind SGA | $2,590 | $2,700 |
| Trial Work Period (TWP) | $1,110 | $1,160 |
Understanding Substantial Gainful Activity (SGA)
Substantial Gainful Activity (SGA) refers to the earnings level set by the Social Security Administration (SSA) that determines eligibility for disability benefits. To qualify for SSDI, individuals must not engage in SGA; in other words, if a worker’s earnings exceed the SGA limits, they cannot receive disability benefits.
Special Considerations for Blind Recipients
Blind SSDI recipients have a higher SGA amount compared to non-blind recipients, recognizing the additional challenges they may face in the workforce. It’s important to note that SGA for the blind applies to Social Security benefits, but does not affect Supplemental Security Income (SSI) benefits. Conversely, the SGA limits for non-blind disabled individuals apply to both Social Security and SSI benefits.
Conclusion
With the new COLA increase and adjusted SGA thresholds for 2025, SSDI recipients should stay informed about their benefits and work opportunities. Understanding these changes is essential for maintaining eligibility while exploring employment, ensuring a smooth transition back into the workforce.
