Social Security Disability Insurance (SSDI) is more than just a monthly check—it’s a safety net you’ve earned through years of hard work. When health issues stop you from working, SSDI steps in to support you financially.
For April 2025, the Social Security Administration (SSA) has already set payment dates, but not everyone gets paid on the same day. Here’s a clear and simple guide to help you understand when you’ll get your money, how it’s calculated, and what to do if your situation changes.
SSDI April 2025 Payment Dates: When Will You Get Paid?
Your date of birth determines when you receive your SSDI benefits each month. SSA splits payments into three Wednesdays based on birth dates. Here’s how the calendar looks for April 2025:
- Born between 1st–10th: Payment arrives on Wednesday, April 9
- Born between 11th–20th: Payment arrives on Wednesday, April 16
- Born between 21st–31st: Payment arrives on Wednesday, April 23
Special Payment Dates:
- If you receive both SSDI and SSI, or you started getting benefits before May 1997, you’ll be paid on April 3 (Thursday).
- If you only receive SSI, you’ll receive your payment on April 1 (Tuesday), since it doesn’t fall on a weekend.
How Does SSA Calculate Your Monthly SSDI Amount?
Your SSDI benefit amount depends on your work history, not your current income or how serious your condition is. The SSA uses a two-step method:
1. AIME (Average Indexed Monthly Earnings)
They take your 35 highest-earning years, adjust for inflation, and divide the total by 420 months (35 years × 12). This gives your AIME.
2. PIA (Primary Insurance Amount)
SSA applies a formula to your AIME to determine how much you’ll receive monthly.
For 2025, the formula is:
- 90% of the first $1,226 of your AIME
- 32% of the amount between $1,226 and $7,391
- 15% of the amount above $7,391
Example:
If your AIME is $3,000, your benefit would be:
- 90% of $1,226 = $1,103.40
- 32% of $1,774 ($3,000 – $1,226) = $567.68
- Total monthly benefit = $1,671.08 (before any deductions)
How to Check Your SSDI Info Online or by Phone
You have two easy ways to check your SSDI payments, balance, and history:
1. Online: Visit ssa.gov/myaccount to create a free “my Social Security” account. You can view your payment dates, benefit amount, and other important updates.
2. Phone: Call 1-800-772-1213 to speak to an SSA agent. They’ll confirm your identity and help with specific questions. For those without internet or phone access, you can visit your local SSA office, but expect longer wait times.
What If Your Situation Changes?
SSDI is not guaranteed forever. If your health improves or you return to work, your benefits may change—but SSA offers support programs to help you transition.
Other things to keep in mind:
- SSDI can count as taxable income in some states. Talk to a tax professional if you’re unsure.
- Spouses and children under 18 (or 19 if in school) might qualify for family benefits based on your record.
- Report changes like starting a job, a medical improvement, divorce, or gaining new dependents—these can affect your benefits.
- SSA provides free guidance through hotlines and advisors, so don’t hesitate to reach out with questions.