The final round of Social Security Disability Insurance (SSDI) payments is on its way. Along with the payments, recipients will also receive the 2.5% increase from the 2025 Cost of Living Adjustment (COLA). When exactly your check will be sent depends on a few factors, so if you’re unsure about when to expect it, we’ve got you covered. Here’s what you need to know.
What is SSDI and who qualifies?
The Social Security Administration (SSA) provides monthly payments to people who have disabilities that limit or stop their ability to work. Individuals who have worked and paid into Social Security may qualify for SSDI, and others can apply if they meet certain requirements. This assistance helps recipients cover their living expenses when they can no longer work due to a disability.
Payment Schedule for SSDI Recipients Before May 1997
If you started receiving SSDI before May 1997, you typically receive your payment on the third day of every month. However, if the third day falls on a weekend or holiday, the payment may be adjusted. For example, this past March, payments were made two days earlier when the third fell on a weekend. Keep in mind, though, the exact payment date can change depending on the calendar.
Payment Schedule for SSDI Recipients After May 1997
If you began receiving SSDI benefits after May 1997, your payment date is based on the day of the month you were born. Payments are made on the second, third, and fourth Wednesdays of each month, depending on your birthdate. Here’s a breakdown:
- Second Wednesday: If your birthday falls between the 1st and 10th of the month.
- Third Wednesday: If your birthday falls between the 11th and 20th of the month.
- Fourth Wednesday: If your birthday falls between the 21st and 31st of the month.
When Can You Expect Your January SSDI Payment?
This month’s SSDI payment schedule depends on your birthdate, as explained earlier. Check your specific payment date based on the Wednesday that corresponds to your birth month. You can refer to your payment schedule to know exactly when to expect your check.
How Will the 2025 COLA Affect Your Payment?
The 2025 COLA increase introduces a 2.5% boost in SSDI payments, which will affect your monthly benefit check. The amount of the increase depends on various factors, including your monthly income, how long you’ve been receiving benefits, and the type of benefit you receive. On average, this 2.5% increase will add about $48 to the monthly payment.
If you haven’t already received your COLA notice, be on the lookout for it. The notice should have been sent in December and will provide specific details about how the increase affects your personal benefits.
Conclusion
The 2025 SSDI payments are going out, and recipients will benefit from a 2.5% COLA boost. If you’re not sure when to expect your payment, it all depends on the date you started receiving SSDI and your birthdate. Make sure to review your specific payment schedule, and if you haven’t yet, check the COLA notice to see how the increase affects you.
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