As June and July 2025 approach, SSDI beneficiaries are anticipating their monthly payments, which include the annual cost-of-living adjustment (COLA) applied to all Social Security Administration (SSA) benefits.
What Is SSDI and Who Qualifies?
SSDI is a federal program funded by payroll taxes that provides monthly benefits to individuals with medically verifiable disabilities. To qualify:
- The disability must substantially impair the ability to work.
- It must be expected to last at least one year or result in death.
- Applicants must have earned sufficient work credits from past payroll tax contributions.
Unlike some programs, SSDI does not provide partial or short-term benefits—only full benefits for those meeting all criteria.
SSDI Payment Schedule for June and July 2025
Payments for SSDI recipients who began claiming benefits after May 1997 are distributed based on the beneficiary’s birthdate:
- Birthdays 1st–10th: Payment on the second Wednesday (June 11, July 9)
- Birthdays 11th–20th: Payment on the third Wednesday (June 18, July 16)
- Birthdays 21st–31st: Payment on the fourth Wednesday (June 25, July 23)
Since June 1, 2025, fell on a Sunday, SSI payments (which can coincide with SSDI) were made early on May 30, 2025.
Medicare Eligibility and SSDI Benefits in 2025
After 24 months of SSDI benefit receipt, beneficiaries become eligible for Medicare, providing vital coverage for hospital and medical services.
In 2025, the maximum monthly SSDI benefit is $4,018. This applies to workers with consistently high income and long work histories (around 35 years).
Most beneficiaries receive payments closer to the 2025 average of $1,580 per month—about $40 higher than in 2024. Payments are calculated using a “bend point” formula based on the worker’s highest earnings.