Social Security Disability Insurance (SSDI) will make one of its monthly payments on March 19, 2025, to beneficiaries whose birthdays fall between the 11th and 20th of any month.
This calendar, in use since 1997, arranges disbursements on three monthly Wednesdays based on the date of birth. Those who received benefits prior to May 1997 continue to receive payments on day 3, but they do not apply for the aforementioned date.
SSDI is a federal program funded by FICA taxes that provides benefits to people with severe disabilities who are unable to work for at least 12 months or have a terminal prognosis.
Unlike SSI, which is based on financial need, SSDI requires a credit-worthy work history. In 2025, each credit is worth $1,810 in income, with a maximum of four annual credits totaling $7,240.
Work credit requirements for SSDI and other things you should know
Credit requirements vary by age: those under 24 require 6 credits in three years; those between 24 and 30, credits equal to half the time elapsed since age 21; and those over 30, 20 credits in the last decade. Those over the age of 62 must accumulate 40 credits, 20 of which must be earned within the ten years preceding their disability.
The monthly amount is calculated using your average indexed income (AIME) over your working life. In 2025, the average profit is 1,580, with a maximum of 4,018. Approximately two-thirds of beneficiaries receive less than the average amount, which ranges from 900 to 1,600.
This calculation does not consider the severity of the disability, but rather previous contributions to the system.
If the beneficiary has dependents, such as a spouse or children, the average family payout increases to $2,800. This data demonstrates the program’s emphasis on providing assistance based on prior financial responsibilities. Furthermore, after 24 months on SSDI, eligibility for Medicare, a critical component of health insurance, is activated.
The maximum SSDI benefit for 2025 is $4,018, far exceeding other Social Security benefits, such as Supplemental Security Income (SSI), which is $967 for a single person and $1,450 for a couple filing jointly.
SSDI Application Process and Waiting Periods
Applications can be submitted online (ssa.gov), over the phone (1-800-772-1213), or at local SSA offices. The process necessitates extensive medical documentation, including diagnoses that meet SSA Blue Book standards, as well as employment records. Approval can take months, and once granted, a five-month waiting period precedes the first payment.
Exceptions to this deadline apply to cases of amyotrophic lateral sclerosis (ALS) approved after July 23, 2020, which do not require a wait.
Furthermore, the program provides work incentives such as the Trial Work Period (TWP), which allows you to work for nine months without losing benefits, and the Extended Eligibility Period, which extends coverage for 36 months if your income does not exceed certain thresholds.
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