The Social Security Administration (SSA) continues to distribute Social Security Disability Insurance (SSDI) payments for eligible workers throughout June 2025.
These payments are distributed according to a set schedule, which varies based on two main factors: the year the benefits were claimed and the beneficiary’s birthdate.
Understanding the payment schedule, eligibility requirements, and how SSDI benefits are calculated can help you manage expectations regarding when payments will arrive.
SSDI Payment Schedule for June 2025
For individuals who applied for SSDI benefits before May 1997, payments are made on the third day of each month, except when that day falls on a weekend or holiday. In such cases, payments are issued on the nearest business day.
However, for individuals who filed for SSDI benefits after May 1997, payments are made based on the recipient’s birthdate, following a set schedule of Wednesdays throughout the month:
- June 11: Payments for beneficiaries born between the 1st and 10th of the month.
- June 18: Payments for beneficiaries born between the 11th and 20th of the month.
- June 25: Payments for beneficiaries born between the 21st and 31st of the month.
SSDI Payment Amounts
The amount of SSDI a person receives can vary based on their work history and earnings. The maximum monthly SSDI payment for 2025 is $4,018, applicable to individuals with the highest lifetime earnings.
The average SSDI benefit is typically around $1,751.08 as of February 2025, though other reports suggest a slightly lower average of about $1,580 per month.
For those who also qualify for Supplemental Security Income (SSI), additional payments are available. An individual can receive up to $967 per month, while a couple can qualify for $1,450 monthly.
Eligibility Requirements for SSDI Payments
To be eligible for SSDI in 2025, applicants must meet three primary criteria:
- Sufficient Work History: Applicants must have accumulated a specific number of work credits through their employment. The required number of credits depends on the age at which the disability began. The applicant must have contributed to the Social Security system before becoming disabled.
- Disabling Medical Condition: The SSA requires that the disability be “medically determinable” and prevent the individual from engaging in substantial gainful activity (SGA). The condition must either be permanent or expected to last at least 12 months. Some conditions that are expected to result in death may also qualify.
- Inability to Work: Applicants must demonstrate that they cannot return to their previous job due to their disability. They must also show that they cannot adjust to other types of work based on factors such as their age, education, and past job experience.
There is also a five-month waiting period after the onset of the disability before SSDI benefits begin. No payments are made during this initial period.
How SSDI Payments are Calculated
The SSA calculates SSDI benefits using the Average Indexed Monthly Earnings (AIME), which is based on the highest 35 years of income subject to Social Security taxes. The SSA applies a formula with bend points to determine the Primary Insurance Amount (PIA).
In 2025, the bend points are:
- 90% of the first $1,226 of monthly earnings.
- 32% of earnings between $1,226 and $7,391.
- 15% of earnings over $7,391.
For example, if a person has an AIME of $2,280, the PIA would be calculated as:
- 90% of $1,226 = $1,103.40.
- 32% of $1,054 = $337.28.
Thus, the total PIA would be $1,440.68. This amount forms the base monthly SSDI benefit, which may be adjusted based on the applicant’s specific circumstances.
SSDI Work Limits and Eligibility
To maintain eligibility for SSDI, beneficiaries must not exceed certain Substantial Gainful Activity (SGA) limits. For 2025, individuals earning more than $1,620 per month are generally considered to be engaging in SGA, and their SSDI benefits may be suspended.
However, there is a higher SGA limit of $2,700 per month for individuals who are legally blind.
Cost-of-Living Adjustment (COLA) for 2025
To keep up with inflation, the COLA for 2025 is set at 2.5%. This adjustment raises the average SSDI payment by about $50 per month, helping beneficiaries maintain their purchasing power in the face of rising living costs.