If you are receiving Social Security Disability Insurance (SSDI) benefits, you surely want to know when the money will arrive in February 2025. Well, payments are made on the second, third, and fourth Wednesdays of the month.
How do you know which one you get? It depends on your date of birth. If you were born between the 1st and the 10th, you get paid on the second Wednesday; from 11 to 20, the third; and from the 21st to the 31st, the fourth.
These dates are not random. They are designed to prevent everyone from being paid on the same day and saturating the system. So, if you don’t see the money in your account on the first Wednesday, don’t panic. Check your birthday, mark your calendar and wait for your corresponding day. Simple and organized!
What disabilities make you eligible for SSDI payments?
Not all disabilities qualify for SSDI, so, take a look at what we say here. To be approved, your condition must be serious enough to prevent you from working for at least a year or, in extreme cases, result in your death. This ranges from physical illnesses, such as cancer or serious injuries, to mental disorders, such as severe depression or schizophrenia.
But be careful, because it is not enough that it costs you a little more to do certain tasks. The disability has to be “substantial,” meaning something that actually prevents you from holding a job. Additionally, you need to have medical evidence to support your condition: clear diagnoses, treatments, and prognoses. Without that, things get complicated.
The SSDI cap in 2025: How much can you receive?
By 2025, the maximum monthly SSDI benefit will be $4,018. Of course, this amount is for those who retire at full retirement age. If you receive SSDI sooner, your payment will likely be less. But don’t be discouraged, because this number is not fixed. Each year, the benefit increases thanks to the Cost of Living Adjustment (COLA).
The COLA is a number that’s calculated based on inflation and the Consumer Price Index (CPI-W). Basically, it is a mechanism so that your money does not lose value over time. So, although $4,018 may seem like a lot or a little depending on your situation, the important thing 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 is not a number taken out of thin air. It is based on your earnings history, specifically your highest earning years. Social Security uses a formula that takes into account how much you have contributed to the system throughout your working life. Basically, it is like a reflection of what you have worked and contributed.
Plus, if you have a family, they can receive benefits too. The maximum family benefit is typically between 85% and 150% of the disabled worker’s benefit. This means that if you receive $2,000 a month, your family could receive up to an additional $3,000, depending on how many dependents qualify.
