If you are now receiving Social Security Disability Insurance (SSDI), it is time to start preparing for the payments that will be coming to you in January of 2025. There is a possibility that your benefits will appear slightly different this year as a result of a cost-of-living adjustment (COLA) of 2.5%.
All right, let’s go over what you may anticipate, the payment plan, and the potential changes that could occur to your monthly amount.
Social Security Disability Insurance (SSDI) payments are distributed by the Social Security Administration (SSA) based on the date of your birth and the date you began collecting benefits. Here is everything you need to know about the Social Security Disability Insurance payments that will be made in January 2025.
Payments
A rise in the COLA
Because of the cost-of-living adjustment (COLA) in 2025, Social Security Disability Insurance (SSDI) claimants will receive a 2.5% increase in their income. Just one example:
The average payment is going up to $1,580, which is an increase of $38 from 2024
In terms of low payments, a check of $500 per month will climb to $512.50 overall.
The maximum compensation for Social Security Disability Insurance (SSDI) has increased to $4,018 from $3,822.
This rise is contingent upon your previous employment history, earnings, and the age at which you first started receiving benefits. Check your most recent notice from the Social Security Administration or your online account if you are unsure about your new amount.
You must have a long-term physical condition that has prevented you from working for at least a year in order to be eligible for Social Security Disability Insurance (SSDI).
Additionally, you must have earned sufficient work credits by contributing to Social Security through payroll taxes. In the event that you do not have sufficient credits, you might be required to submit an application for Supplemental Security Income (SSI).
Maximizing VA Disability: The 70/40 Rule and What It Means for You
The schedule
Dates of January 2025 SSDI Payments
The dates of SSDI payments vary based on your birthdate and the start date of your benefits:
| Payment Date | Eligibility |
| January 3, 2025 |
SSDI recipients since before May 1997 or on SSI as well.
|
| January 8, 2025 |
Born between the 1st and 10th of any month.
|
| January 15, 2025 |
Born between the 11th and 20th of any month.
|
| January 22, 2025 |
Born between the 21st and 31st of any month.
|
SSI Recipients: Please take note that the January SSI payment will not be made in January of 2024, but rather on December 31.
You should receive your money by mail check or direct deposit. To address delays, check with your bank or get in touch with the SSA if it doesn’t arrive on the appointed day.
Eligible for the Extra Child Tax Credit? Check If Your State Qualifies!
Important Information
Payments Made in Advance to Long-Term Recipients
Regardless of your birthdate, you will receive your January check on January 3 if you started receiving SSDI prior to May 1997. SSI and SSDI recipients are included in this group.
Payments Based on Birthdates
The SSDI payment schedule is based on your birthdate if you began receiving benefits after April 30, 1997:
- Born 1-10: January 8.
- Born 11-20: January 15.
- Born 21-31: January 22.
When to Expect Your $1,750 Stimulus Payment if Applied in December?
High vs. Low Compensation
Some recipients may experience minor changes, but others may see increases of hundreds of dollars. For example, the 2.5% adjustment will be proportionately reflected in the rise of someone who receives a lesser SSDI benefit.
Recipients are guaranteed to know when to anticipate their payments each month according to the SSA’s transparent payment schedule.
Knowing the payment schedule and how the COLA rise affects you will help you manage your finances for the upcoming year, regardless of how long you have been receiving SSDI.