February has already passed, and you’re probably wondering, “What’s next?” Don’t worry, we’ll tell you everything you need to know about next month’s SSDI disability deposits. We will not keep you in the dark about important dates or potential changes.
First, the basics: as always, payments are made on your birthday. If you were born between the 1st and the 10th, mark March 12 on your calendar. Is your birthday between the 11th and the 20th? Aim for the 19th. If you celebrate between the 21st and the 31st, the money will arrive on the 26th.
All on Wednesday, as per Social Security Administration (SSA) tradition. Simple, right? It is the same method used to send retirement benefits.
What health problems qualify for SSDI? What the SSA says
According to the Social Security Administration, nearly 9 million people received these benefits in 2023. What are the most common reasons? Chronic pain (such as an unforgiving back) to depression or anxiety that prevents a person from functioning normally.
Heart diseases, cancer, and respiratory diseases are also included. Essentially, any condition that significantly impairs your daily life.
Now, let’s talk money: the maximum amount for 2025 is $4,018 per month, but this is subject to your work history. The secret isn’t really that secret; it’s simply having a high and consistent salary for several years before applying. What does the Social Security Administration review?
- Years worked: You need at least 40 credits (about 10 years of work), although 20 may be enough if you are young.
- Average Income: The SSA takes your 35 highest-paid years. Did you work less? Years enter with $0 in the calculation, and that lowers the average!
- Taxes paid: Only jobs where you paid Social Security count. If you were informal or they didn’t discount, it doesn’t add up.
If you can still work, finish the 35 years. Every additional year with a good salary improves your average. Go to’my Social Security’ and ensure that all of your income is registered.
A single mistake can cost you thousands of dollars. If you return to work (and your condition allows it), a high salary compensates for previous years of low income.
If your history does not cover the maximum, that is not a problem: the average is around $1,400 per month, which is sufficient to support a good quality of life.
If you are a freelancer or independent contractor, you must develop the habit of paying all of your taxes as self-employed tax to ensure that they are properly accounted for.