Is $1,580 Coming to Your Bank Account in 2025? Check if You Qualify for SSDI!

In 2025, millions of Americans receiving Social Security Disability Insurance (SSDI) will see an average monthly benefit of $1,580. This amount reflects a 2.5% cost-of-living adjustment (COLA) announced by the Social Security Administration (SSA) in October 2024. The COLA is designed to help benefits keep up with inflation and rising living costs, ensuring that beneficiaries can still maintain their purchasing power.

But who qualifies for these SSDI payments, and how do they compare to other payments and rules? Here’s everything you need to know about disability payments in 2025.

Who Qualifies for SSDI Payments?

SSDI benefits are intended for individuals who have worked and paid into the Social Security system but are now unable to continue working due to a disability. The amount a person can receive each month is based on their past earnings. This means that while $1,580 is the average SSDI benefit, some individuals could receive more or less depending on their work history and lifetime earnings.

What is the SGA Limit?

The Social Security Administration has rules to determine if a person can still work while receiving disability benefits. One key factor is the Substantial Gainful Activity (SGA) limit. This is the amount of income a person can earn each month without losing their SSDI benefits. In 2025, the SGA limit is set at $1,620 for non-blind individuals, up from $1,550 in 2024. For those who are legally blind, the SGA limit will be $2,700 per month.

Trial Work Period: How It Works

SSDI recipients are also given the opportunity to test their ability to work without losing their benefits through something called the Trial Work Period (TWP). This period allows beneficiaries to earn above the SGA limit for up to nine months without affecting their disability benefits. In 2025, the TWP threshold will increase to $1,160 per month, up from $1,110 in 2024.

Family Benefits in 2025

SSDI benefits aren’t just for individuals with disabilities; they can also extend to family members. In 2025, the average family benefit is expected to rise to $2,826 per month, helping spouses and children of disabled workers. This increase ensures that families can continue to rely on these benefits for financial support.

What Does This Mean for You?

If you’re already receiving SSDI, or if you’re planning to apply, these changes in 2025 could mean a little more in your monthly check. Whether you’re navigating the rules around working while receiving SSDI, or you’re a family member depending on these benefits, it’s important to stay updated on the latest changes to Social Security disability payments.