Living with a disability in the United States is not easy. Apart from the physical or emotional difficulties, many people also struggle with financial pressure.
That’s why monthly disability payments from Social Security are so important—they offer more than just money. These payments bring peace of mind, stability, and a sense of relief to millions of people who can’t work because of a medical condition.
To help people keep up with rising prices, these payments go up a little each year through something called COLA—Cost of Living Adjustment. In 2025, COLA increased by 2.5%, and this rise is already being added to the latest checks.
What Is COLA and Why Does It Matter?
COLA (Cost of Living Adjustment) is an annual increase in Social Security payments. It is based on inflation, which means how much prices for goods and services have gone up over the year. The goal is to protect the buying power of people who rely on these payments.
In 2025, the COLA increase is 2.5%. While it might sound small, for people living on a fixed income, even a small rise can help cover basic needs like groceries, medicine, or electricity bills.
Who Gets the April 23, 2025 Disability Payment?
The payment on Wednesday, April 23, 2025, is for people in Group 4 of Social Security recipients. This group includes:
- People who started receiving benefits after May 1997
- People whose birthday is between the 21st and 31st of any month
This group doesn’t just include retirees. It also includes people with disabilities, surviving spouses, and others who get monthly Social Security payments.
These payments follow a monthly schedule based on your birthday and the date you started receiving benefits. If you’re in Group 4, April 23 is your payday—and it already includes the 2025 COLA increase.
How Is the Payment Made?
Most people get their money through direct deposit into their bank account. This method is fast, safe, and convenient. In many cases, the payment arrives in the early hours of the morning, which is helpful for families with urgent expenses.
Receiving money on time is crucial for people who depend on it to buy food, pay rent, or cover medical costs. That’s why staying updated with the payment schedule is so important.
How Much Can You Receive in 2025?
Thanks to the 2.5% COLA boost, the maximum monthly check for disability retirement in 2025 is $4,018. However, most people receive less than this amount.
To reach the highest payment level, a person must have:
- Earned a high salary for many years
- Worked for at least 35 years
- Applied for Social Security at the most favorable time
Even if you don’t get the maximum, every eligible person will receive a small increase this year. And over 12 months, that extra money adds up and can help with important yearly expenses.