Depending on the beneficiary’s birthdate and the date they started receiving benefits, Social Security Disability (SSDI) payments are made on certain dates every month.
Regardless of their birthdate, SSDI claimants who started their retirement before May 1997 will start receiving payments on February 3 of 2025.
After that, on the second, third, and fourth Wednesdays, three more payments are given to beneficiary groups based on their birthdate.
Three SSDI payments start on the second Wednesday of February
According to the previously indicated formula, the Social Security Administration (SSA) is now ready to issue the three mandatory payments for employees with impairments on the final three Wednesdays of each month:
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February 12:
Beneficiaries born between the 1st and 10th of any month, who began receiving benefits after May 1997. -
February 19:
Beneficiaries born between the 11th and 20th of any month, who began receiving benefits after May 1997. -
February 26:
Beneficiaries born between the 21st and 31st of any month, who began receiving benefits after May 1997.
Additionally, because the Social Security Administration (SSA) does not process payments on weekends or holidays, Supplemental Security Income (SSI) payments will be moved from Saturday, February 1 to Friday, January 31.
SSDI benefits: the way the agency calculates your payments
As you are aware, people who have developed a handicap that prevents them from performing a gainful activity (a job) are eligible for financial help under this SSA benefit program. To be eligible, they must:
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Have a work history with Social Security contributions (
FICA taxes
). -
Meet the SSA definition of disability
, which involves a medical condition that lasts at least one year or results in death, and that prevents you from performing meaningful work.
The beneficiary’s average earnings from their working years prior to becoming disabled are used to determine the SSDI compensation amount. Benefits are often higher for those with higher salaries and larger Social Security contributions (via FICA taxes).
The following requirements must be fulfilled in order to qualify for the maximum payment of $4,018 per month in 2025: worked for a minimum of 35 years, earned 40 labor credits (about 10 years’ worth of employment), and repeatedly exceeded the maximum FICA tax limit.
After the 2.5% COLA increase for this fiscal year, the SSA raised the maximum monthly payout in 2025 by adjusting SSDI benefit amounts. However, because this amount is based on factors like prior income and years of system contributions, not all beneficiaries will receive it.
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Eliot Pierce is a dedicated writer for ChiefsFocus.com, covering local crime and finance news. With a keen eye for detail and a passion for storytelling, Eliot aims to provide his readers with clear and insightful analysis, helping them navigate the complexities of their financial lives while staying informed about important local events. His commitment to delivering accurate and engaging content makes him a valuable resource for the community.