Millions of Americans rely on disability benefits as a crucial source of income when they cannot work due to medical conditions. With the Cost-of-Living Adjustment (COLA) increase for 2025, Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) recipients will see higher payments to help keep up with inflation.
Eligible beneficiaries may receive up to $3,444 + $861 in combined SSDI and SSI benefits in February 2025. This guide will help you know how SSDI and SSI payments work, who qualifies, and when you can expect to receive your money.
Disability Payments
Here’s a breakdown of the maximum payments for February 2025:
| Benefit Type | 2025 Maximum Payment |
|---|---|
| SSDI Payment | $3,822 per month (after COLA increase) |
| SSI Payment | $943 for individuals, $1,415 for couples |
| Combined SSDI + SSI | Up to $3,444 + $861 if eligible for both |
| COLA Increase | 3.2% adjustment from 2024 payments |
| Payment Schedule | Based on birth date and benefit type |
| Official Resource | Social Security Administration (SSA) |
If you qualify for both SSDI and SSI, you could receive the full combined amount. Checking your payment status is easy—just log in to SSA.gov or call 1-800-772-1213 for assistance.
Payments
SSDI is designed for workers who have paid into Social Security but become disabled before retirement age. Your payment amount is based on your work history and lifetime earnings.
- Maximum SSDI Payment: $3,822 per month (after COLA adjustment)
- Average SSDI Payment: $1,537 per month
- Eligibility: Must have a qualifying disability and sufficient work credits
- Work Credit Requirement: 40 work credits (at least 20 in the last 10 years)
- Disability Determination: Based on medical records, ability to work, and severity of impairment
Supplemental Security Income (SSI)
SSI is a need-based program for individuals with disabilities who have limited income and resources. Unlike SSDI, it does not require a work history.
- Maximum SSI Payment (2025): $943 for individuals, $1,415 for couples
- Eligibility: Low-income individuals with a disability, blindness, or aged 65+
- Resource Limits: Individuals must have assets below $2,000 ($3,000 for couples)
- Income Limits: Monthly income must fall within federal guidelines to receive full benefits
Receiving both
If you qualify for both SSDI and SSI, you can receive concurrent benefits. However, your SSI payment may be reduced based on your SSDI income.
For example:
- If you receive $3,444 in SSDI, your SSI payment may be reduced to $861 instead of the full $943.
- The SSA ensures that combined benefits do not exceed the federal threshold.
Payment Status
It’s important to monitor your disability payments to ensure accuracy and avoid delays. Here’s how you can check:
My Social Security Account
The easiest way to track your SSDI or SSI payments is through the My Social Security portal:
- Visit SSA.gov
- Log in or create an account
- Check your benefit statement, payment schedule, and recent transactions
Social Security Office
If you need help or have questions about your benefits, call SSA customer service at 1-800-772-1213.
Bank Statement
SSDI and SSI payments are directly deposited into your bank account or loaded onto a Direct Express Debit Card.
Payment Schedule
Your SSDI payment date is based on your birth date:
| Birth Date Range | Payment Date |
|---|---|
| 1st – 10th of the month | February 12, 2025 (2nd Wednesday) |
| 11th – 20th of the month | February 19, 2025 (3rd Wednesday) |
| 21st – 31st of the month | February 26, 2025 (4th Wednesday) |
SSI payments are always sent on the 1st of the month, so SSI recipients will receive their benefits on February 1, 2025.
If your payment is delayed or incorrect, contact the SSA immediately to resolve any issues.
Staying informed about your Social Security Disability benefits is essential to managing your financial security. With the COLA increase, many recipients will see higher payments in February 2025.
Be sure to check your eligibility, verify your payment status, and know your payment schedule so you can receive the correct amount on time.
FAQs
How much will SSDI pay in February 2025?
The maximum SSDI payment is $3,822 after the COLA increase.
When will I receive my SSDI payment?
Payments are made based on birth dates, from February 12 to 26.
Can I receive both SSDI and SSI?
Yes, but your SSI amount may be reduced if you qualify for both.
How can I check my payment status?
Log in to SSA.gov or call 1-800-772-1213 for updates.
What is the 2025 COLA increase?
The COLA increase for 2025 is 3.2%, raising SSDI and SSI benefits.
