If you are receiving Social Security Disability Insurance (SSDI) benefits, you probably want to know when they will arrive in February 2025. Well, payments are made on the second, third, and fourth Wednesdays of each month.
How do you know which one you’re getting? It depends on your birth date. If you were born between the 1st and the 10th, you will be paid on the second Wednesday; from 11 to 20, the third; and from the 21st to the 31st, the fourth.
These are not random dates. These measures prevent the system from becoming overburdened by multiple payments on the same day. So, if you don’t see the money in your account by the first Wednesday, don’t worry. Check your birthday, mark your calendar, and wait for the appropriate day. Simple and organized!
What disabilities make you eligible for SSDI payments?
Consider what we say here: not all disabilities qualify for SSDI. To be approved, your condition must be serious enough to keep you from working for at least a year, or, in the worst-case scenario, cause your death. This includes both physical illnesses, like cancer or serious injuries, and mental disorders, like severe depression or schizophrenia.
But be careful, because it is not enough to pay a little more to complete certain tasks. The disability must be “substantial,” which means it prevents you from holding a job. In addition, you must have medical evidence to back up your diagnosis, treatments, and prognosis. Without that, things become complicated.
The SSDI cap in 2025: How much can you receive?
In 2025, the maximum monthly SSDI benefit will be $4,018. Of course, this amount applies to those who retire at the full retirement age. If you receive SSDI sooner, your payment will probably be lower. But don’t be discouraged, because this figure is not fixed. The Cost of Living Adjustment (COLA) increases the benefit every year.
The COLA is a number calculated using inflation and the Consumer Price Index (CPI-W). Essentially, it is a mechanism that ensures your money does not lose value over time. So, while $4,018 may appear to be a lot or a little depending on your situation, what matters is that this amount is adjusted so that you can maintain your standard of living.
How do the SSA calculates your SSDI monthly check?
The amount you receive was not calculated arbitrarily. It is based on your earnings history, specifically your peak earning years. Social Security employs a formula that takes into account how much you have contributed to the system over your working life. Basically, it is a reflection of your efforts and contributions.
If you have a family, they can also receive benefits. The maximum family benefit typically ranges from 85% to 150% of the disabled worker’s benefit. This means that if you receive $2,000 per month, your family could receive up to an additional $3,000, depending on how many dependents are eligible.