February is already behind us and you’re probably wondering: “What’s next?” Don’t worry, here we tell you everything you need to know about next month’s SSDI disability deposits. From key dates to possible adjustments, we are not going to leave you in suspense.
First, the basics: as always, payments arrive based on your birthday. If you were born from the 1st to the 10th, mark March 12 on the calendar. Is your birthday from the 11th to the 20th? Aim for the 19th. And if you celebrate between the 21st and 31st, the money will drop on the 26th.
All on Wednesday, as Social Security Administration (SSA) tradition dictates. Easy, right? It is the same mechanism used by the to send retirement benefits.
What health problems qualify for SSDI? What the SSA says
According to the SSA, almost 9 million people received these benefits in 2023. The most common reasons? From chronic pain (such as an unforgiving back) to depression or anxiety that prevents the person from being able to work normally.
Heart diseases, cancer or respiratory diseases also enter. Basically, any condition that seriously affects your daily life.
Now, let’s talk money: the maximum amount for 2025 will be $4,018 per month, but this depends on your work history. The secret is not really so secret, but it is just about having a high and constant salary for several years before applying. What does the SSA review?
- Years worked: You need at least 40 credits (about 10 years of work), although 20 may be enough if you are young.
- Average Income: The SSA takes your 35 highest-paid years. Did you work less? Years enter with $0 in the calculation, and that lowers the average!
- Taxes paid: Only jobs where you paid Social Security count. If you were informal or they didn’t discount, it doesn’t add up.
If you can still work, complete those 35 years. Every extra year with a good salary raises your average. Go to ‘my Social Security’ and verify that all your income is registered. One mistake can cost you thousands and thousands of dollars. If you go back to work (and your condition allows it), a high salary corrects previous years of low income.
If your history does not cover the maximum, it is not a problem: the average is around $1,400 per month, which in itself is a good amount to help you have a good quality of life.
If you are freelance or independent, you have to get into the habit of paying all your taxes as self-employed tax, so that they are accounted for.
