Social Security Disability Insurance (SSDI) continues to slash long-awaited financial support payments for those with disabilities that prevent them from working. The Social Security Administration (SSA) administers the program, which needs prior work history to get benefits.

Two payments were already paid in April for groups of beneficiaries (there are three groups each month): those born between the 1st and 10th of any month received their payouts on April 9. Then, individuals born between the 11th and 20th received their rewards on April 16.

Finally, the third payment of the month will be sent to beneficiaries having birthdays after the 21st of the month; their fund deposit date is April 23.

Average and maximum SSDI payments in 2025

SSDI payouts fluctuate depending on prior income and job credits. The SSA website contains information that recipients can check. To avoid direct deposit disruptions, the organization suggests that banking and personal information be updated.

The average monthly SSDI benefit in 2025 is $1,580, with a maximum of $4,018 for those who have already reached full retirement age, which is 67 years old. These values include the 2.5% cost-of-living adjustment (COLA), which was announced in October 2024 to combat inflation.

There are other benefits to paying SSDI. For example, after 24 months of receiving SSDI, beneficiaries are eligible for Medicare coverage, which includes hospitalization and drugs. Monthly contributions also help cover essential needs like housing and transportation.

Basic Requirements for applying for SSDI Disability Benefits

To be eligible for disability insurance (SSDI, which is not the same as Supplemental Security Income, SSI), applicants must have collected work credits through Social Security contributions.

Generally, 40 credits are required, with at least 20 obtained within the last ten years preceding impairment. People under the age of 31 may require less credits, adjusting for their age at the time of impairment.

The handicap must be medically verified as serious and long-term (at least 12 months or terminal), preventing substantial job activity (SGA). In 2025, the SGA income limit is $1,550 per month. Applicants must also be United States citizens or legal residents who are not incarcerated in a federal prison.

If you believe you qualify for SSDI and want to begin your claim process, go to the official SSA website and find the SSDI portal. There you’ll find the most recent program updates as well as instructions for applying.