The Social Security Administration (SSA) will continue phased distributions for Social Security Disability Insurance (SSDI) payments in July 2025, as it has done in June and in every month of the year so far.
This method assigns dates based on the beneficiary’s date of birth. The first installment will be on Wednesday, July 9th, but wait: there’s still one payment pending for June. This payment is for beneficiaries whose birthdates are between the 21st and 31st of any month. These beneficiaries will receive their payment on Wednesday, June 25th.
Now, July 2025 payments for SSDI beneficiaries
Beneficiaries born between the 1st and 10th of the month will receive their payment on Wednesday, July 9th. Those whose birthdays are between the 11th and 20th will receive their allowance on Wednesday, July 16th. Those born between the 21st and 31st will receive their payment on Wednesday, July 23rd.
A specific group will receive their SSDI payments outside of this main schedule. Beneficiaries who began receiving payments before May 1997, or those who simultaneously receive SSDI and Supplemental Security Income (SSI), will receive their payments on Thursday, July 3.
Who qualifies for SSDI?
SSDI payments are intended to provide financial assistance to workers with disabilities who have met the contribution requirements. The individual amount varies significantly depending on the beneficiary’s work and tax history.
By 2025, the maximum monthly amount an SSDI beneficiary can receive is $4,018. This high amount is only accessible to those who earned high incomes and made consistent contributions throughout their working life.
Average SSDI benefit amounts are below the maximum
Most beneficiaries receive amounts below the established maximum. The average monthly payment ranges from $1,580 to $1,751. The variation depends on the individual circumstances of the disabled worker. The beneficiary’s family composition also influences the final benefit calculation. The SSA evaluates specific factors related to family responsibilities to adjust the amounts, always within the legal limits established for the program.
In the United States, the SSDI program is exclusively for workers who accumulated sufficient work credits before developing a disability. This condition must prevent them from performing “substantial gainful activity,” according to the SSA’s definition.
Strict requirements for disabled workers
Eligibility requires applicants to have worked for a minimum period of time before the onset of disability. The exact number of work credits required varies depending on the individual’s age at the time of disability. Lesser requirements apply to younger workers.
In addition, the disability must be a formally diagnosed medical condition. This condition must last at least one year or be reasonably expected to result in death. It must significantly limit the person’s ability to perform work-related activities.
It is not recognized as a qualifying disability if the individual retains the ability to perform any “substantial” work activity, even if it is different from their previous employment. Residual functional capacity is a deciding factor in the SSA’s evaluation.
Income limits you must not exceed to qualify for SSDI
The applicant’s current income plays a crucial role. This income must not exceed a threshold established by the SSA that defines what constitutes economically substantial work. Exceeding this limit generally disqualifies applicants from receiving SSDI.
In 2025, one of the most important criteria for maintaining or applying for SSDI (Social Security Disability Insurance) benefits is not exceeding the monthly income limits set by the SSA. This restriction (the SGA) reflects the maximum amount a person can earn while working without losing their eligibility.
For non-blind individuals, the SGA limit in 2025 is $1,620 per month. If a beneficiary consistently earns more than this amount, they are presumed to be engaged in substantial work activity, which may result in a review of their case and even suspension of benefits.
For legally and formally blind individuals, the SGA limit is higher: $2,700 per month. In both cases, the measurement is based on gross income before taxes. However, some expenses directly related to the disability, such as adapted transportation or support services, may be deducted before determining whether the limit has been exceeded.