Millions of people in the United States depend on Social Security Disability Insurance (SSDI) payments to manage their day-to-day expenses. In 2025, new payment amounts have been confirmed, and some beneficiaries will start receiving their money as early as July 9, 2025. These monthly payments are very important for people who are unable to work due to long-term disability.
Let’s break down everything you need to know about SSDI payments in 2025, including who is eligible, how much they can get, and the payment schedule for July.
What Is SSDI?
Social Security Disability Insurance (SSDI) is a program from the U.S. Social Security Administration (SSA). It gives monthly payments to people who have worked and paid Social Security taxes but can no longer work due to a serious disability.
The SSA considers someone disabled if they cannot do any substantial work for at least one year due to a medical condition. This is different from Supplemental Security Income (SSI), which is for low-income individuals, even if they haven’t worked before.
SSDI Payment Increase in 2025
In 2025, the maximum SSDI payment has increased to $4,018 per month, which is a 2.5% rise from last year’s maximum of $3,822. This increase is based on the Cost of Living Adjustment (COLA) to help people keep up with inflation and rising prices.
Who Can Get SSDI Payments?
To get SSDI benefits, you must meet the following main conditions:
Medical Condition:
You must have a disability that stops you from doing “substantial gainful activity (SGA).” This means you should not earn more than the set monthly income limits:
- $1,620 per month for most people
- $2,720 per month if you are blind
If you earn more than these limits, even if you are seriously ill, you will not qualify.
Work Credits:
You also need to have paid into Social Security through your job. Most people must have worked at least 5 years in the last 10 years before becoming disabled.
For younger people under 31 years of age, fewer years of work are needed:
21 to 24 years old – only 18 months of work history required
24 to 31 years old – need around 42 months of work
When Will SSDI Payments Be Sent in July 2025?
The SSA has confirmed the SSDI payment schedule for July 2025, based on birth dates:
Wednesday, July 9 – for those born between the 1st and 10th
Wednesday, July 16 – for birthdays from the 11th to 20th
Wednesday, July 23 – for people born between the 21st and 31st
If someone receives both SSDI and SSI, their payments follow a different rule. They get their money on the 3rd of each month. If the 3rd falls on a weekend or public holiday, the payment is made the day before.
What Is the Difference Between SSDI and SSI?
SSDI is for people who have worked and paid taxes. SSI is for people with very low income and little or no work history. The two can be received together, but one can reduce the other.
In 2025, the maximum SSI amount is:
$967 per month for a single person
$1,450 per month for a couple applying together
Receiving SSDI can lower the amount of SSI you get, and the same goes the other way too.
