The Social Security Administration (SSA) continues to implement its structured payment schedule for Social Security Disability Insurance (SSDI) benefits. During January 2025, payments of up to $4,018, at most, will be distributed, but not everyone qualifies for this amount.
Some beneficiaries will receive a monthly amount that will be around the projected average for 2025, which is about $1,530. All of these payments were met by the cost of living adjustment (COLA), set by the SSA at 2.5% up to and including December.
SSDI benefits: Payments of up to $4,018 for those who qualify
SSDI is designed for people who are unable to work due to a significant medical condition that is expected to last at least one year or result in death. This program offers vital financial relief, but to qualify, applicants must meet strict requirements set by the SSA.
To be eligible, applicants must have accumulated sufficient work credits by contributing to Social Security through payroll taxes. Generally, at least 40 credits are required, of which 20 must have been earned in the last 10 years before the disability began. But, friend, that’s not all: take into account that the SSA also evaluates whether the applicant’s medical condition meets the Substantial Gainful Activity (SGA threshold, which defines the level of income considered “substantial work.” We’ll explore that concept later.
The SSDI payment schedule: one more payment is pending in January
In January 2025, SSDI payments will follow the following schedule: The first payment was made on January 8 for beneficiaries born between the 1st and 10th of any month. On January 15, the second payment will be issued for those born between the 11th and 20th.
Finally, on January 22, the third payment will be distributed, aimed at those born between the 21st and 31st. In addition, on January 31 it will be delivered an advance payment of Supplemental Security Income (SSI) for the month of February.
If you receive SSI in addition to SSDI, you can also expect your February payment early: Normally, it should be sent on the 1st, but it falls on a Saturday: SSA does not send payments on weekends or holidays and opts to advance them on nearest business day.
What is the Substantial Gainful Activity (SGA Limit?
An important aspect of SSDI is the Substantial Gainful Activity (SGA) limit for 2025. This limit defines the maximum monthly income a beneficiary can generate through work without losing eligibility for benefits. In 2025, the SGA limit is set at $1,530 per month for non-blind beneficiaries and $2,700 for those who are legally blind (These limits are adjusted annually based on the COLA).
The SGA not only influences initial eligibility, but also impacts the continuation of benefits. If a beneficiary generates income above this threshold, they could face suspension or denial of their payments. Therefore, it is essential that people under this program understand the rules that apply to their situation.
Another key benefit of SSDI is its extension to disabled adult children, who can receive payments based on their parents’ work history. An adult child with a disability can claim up to 50% of the parent’s monthly SSDI benefit. However, if other family members also qualify for benefits, the full amount available could be distributed among them, which may affect individual payments.
