Social Security Disability Insurance (SSDI) is an outreach program that provides monthly earned benefits to individuals with disabilities medically verified by the Social Security Administration (SSA). These conditions must prevent the worker from engaging in substantial gainful activity (SGA) for at least 12 months or be terminal in nature.
To qualify for SSDI, applicants must accumulate insurance credits through Social Security-covered employment. Generally, 40 credits are required, with at least 20 earned in the past decade. Rules vary depending on the applicant’s age.
How does the SSA check if you are eligible for SSDI disability benefits?
The disability must be medically documented and meet the program’s official definition: preventing substantial work based on age, experience, and education. The SSA rigorously evaluates each case before approving payments.
First, the applicant is checked to see if he or she is working and earning above the substantial activity threshold, which could disqualify him or her. Then, an analysis is conducted to determine whether the medical condition is serious, meaning it interferes with performing SGA.
If not listed, analyze whether the condition limits the applicant’s ability to perform previous jobs. Finally, assess whether the applicant can adapt to other types of employment based on their age, education, and work experience.
To make its decision, the SSA relies on medical records, employment histories, and detailed forms completed by the applicant and their treating physicians.
Payment dates in June 2025 confirmed by the SSA
In June 2025, SSDI payments were distributed based on their birthdates. The third Wednesday (June 18) covered beneficiaries with birthdays between the 11th and 20th. The fourth Wednesday (June 25) covered those born between the 21st and 31st.
Previously, the second Wednesday (June 11) included those whose birthdays were from 1 to 10. In addition, on June 3, payments were made to beneficiaries who had received payments since before May 1997.
Average and maximum SSDI amounts in June 2025
The average SSDI payment in June 2025 was $1,537. This amount varies depending on the beneficiary’s work history and contributions. Those with 35 years of contributions and high incomes can receive up to $4,018 per month.
Retiree beneficiaries received an average of $1,915 to $1,999.97 due to the 2.5% cost-of-living adjustment (COLA) implemented in January 2025.
If a beneficiary has not received their payment by the due date, it is recommended to wait three business days before contacting the SSA. Delays may be due to banking processes.